CNA vs Coverdash: Fidelity Bonds

CNA describes fidelity bonds protecting against employee dishonesty and lists several bond forms. Coverdash brokers fidelity bonds through outside carriers and provides an online surety quote-to-purchase path.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-10-01

What Are the Key Differences Between CNA and Coverdash Fidelity Bonds?

Choice of bond form

CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust ERISA bonds. Coverdash’s surety page describes fidelity as protection against employee dishonesty and includes it among four bond types, but its reviewed record notes there is no dedicated fidelity product page. If a contract specifies a form or covered position, ask Coverdash to identify the bond and obligee terms before treating the short description as equivalent. [1] [2]

Buying process and line detail

Coverdash describes a digital quote-to-purchase process for the fidelity option. CNA says experienced claims specialists help resolve surety and fidelity claims. The records describe different parts of the buyer journey: purchase access and post-loss support. Ask Coverdash how to report a loss and who issues the bond; ask CNA how claims are assigned and what documents the surety requires. [2] [1]

What Should You Confirm in CNA and Coverdash Fidelity Bonds Quotes?

  • Ask Coverdash to name the bond form, issuer, amount and claim contact for its fidelity option. [2]
  • Ask CNA which form meets your contract and what notice or proof its claims team requires. [1]

CNA lists dishonesty, janitorial, blanket, scheduled and ERISA pension-trust bonds. Coverdash includes fidelity among four digital surety options but publishes no bond amounts.

Sources consulted

  1. 01
    CNA Surety - Surety and Fidelity Bonds | CNA Insurance

    CNA · Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services · accessed 2026-09-28

  2. 02
    Surety Bonds

    Coverdash · Types of Coverage card 04, Fidelity bonds: "Protect clients against loss from employee dishonesty" · accessed 2026-09-23

  3. 03
    Terms And Conditions

    Coverdash · "Coverdash does not provide any underwriting services"; broker/agent of record designation · accessed 2026-09-23

  4. 04
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Fidelity; Surety Bond · accessed 2026-09-16

  5. 05
    Crime Terms and Conditions

    Travelers Casualty and Surety Company of America · I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15 · accessed 2026-09-16

  6. 06
    Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements

    U.S. Department of Labor, Employee Benefits Security Administration · Q1–Q3 pp.2–3; Q2 pp.2–3 · accessed 2026-09-16

Crime coverage

CNA

  • coverage: CNA describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern.company-reportedSource ↗
  • coverage: CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility.company-reportedSource ↗
  • services: CNA says experienced claims specialists help resolve surety and fidelity claims. Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed.company-reportedSource ↗

Coverdash

  • role: Coverdash arranges fidelity bonds as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. General brokerage terms applied to the fidelity-bonds card on the surety-bond page; not specific to any one carrier or state.company-reportedSource ↗Source ↗
  • coverage: Coverdash's surety-bond page describes fidelity bonds in a single line as protecting clients against loss from employee dishonesty; it does not have a dedicated fidelity-bond product page. One catalog card on the surety-bond page, not a full product description. Fidelity bonds are a distinct crime-type coverage rather than a three-party surety guarantee, even though Coverdash lists them on the same page as its surety bonds.company-reportedSource ↗
  • insurer: The surety-bond page does not name the insurer that issues fidelity bonds. Reviewed surety-bond page as of 2026-09-23; the page describes coverage without naming a specific carrier.not-disclosedSource ↗
  • eligibility: The surety-bond page's eligibility description (contractors, licensed trades and businesses bidding on contracts) is written for surety bonds generally and does not separately describe who needs a fidelity bond specifically. Page-level eligibility text is shared across all four bond types on the page; it was not written specifically for employee-dishonesty coverage.not-foundSource ↗
  • limits: The surety-bond page does not publish specific limit or bond-amount figures for fidelity bonds. Reviewed surety-bond page as of 2026-09-23; figures are quote-specific and not shown on the public page.not-disclosedSource ↗
  • application: Coverdash describes a fully digital quote-to-purchase process on its surety-bond page, which includes the fidelity-bond option among its four bond types. Product-page company information and cross-sell section.company-reportedSource ↗

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