CNA vs Techinsurance: Fidelity Bonds

CNA describes fidelity protection for employee dishonesty and lists several bond forms. TechInsurance arranges fidelity bonds online and describes coverage options.

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

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 ↗

TechInsurance

  • role: TechInsurance arranges fidelity bonds, describing them as a type of commercial crime insurance and a type of surety bond, distinct from a traditional insurance policy in that the bonding company can seek repayment from the employee responsible for a dishonest act. Fidelity bonds product page.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific surety or insurer for a standard fidelity bond, though it says an ERISA fidelity bond specifically must be purchased from a surety company authorized by the U.S. Department of the Treasury. Fidelity bonds product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: TechInsurance says fidelity bonds cover employee fraud, theft, forgery and embezzlement against the business or its clients, and distinguishes first-party bonds (protecting the business itself) from third-party bonds (protecting clients), plus employee dishonesty, business service, janitorial and ERISA bond variants. Fidelity bonds product page; general policy description, not a specific bond form.company-reportedSource ↗
  • eligibility: TechInsurance targets fidelity bonds at businesses whose employees handle sensitive financial information or access client property unsupervised, naming web hosting, project management, cleaning, healthcare and security-guard companies as example segments. Fidelity bonds product page, Who should get fidelity bonds? section.company-reportedSource ↗
  • limits: TechInsurance says fidelity bond costs vary widely and are typically calculated based on the total bond amount, with underwriting factors including bond type and size, industry risk, number of employees with sensitive-data access, and credit score; it does not publish a median premium for this line as it does for some other policies. Fidelity bonds product page, How much do fidelity bonds cost? section.company-reportedSource ↗
  • application: You request fidelity bond quotes online through a short application; TechInsurance says its licensed agents can help add fidelity bonds to a broader coverage package. Fidelity bonds product page.company-reportedSource ↗

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

Forms and protected interests

CNA names dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds ([1]). TechInsurance describes employee fraud, theft, forgery and embezzlement and distinguishes first-party bonds for the business from third-party bonds for clients ([3]). For a buyer whose employees access customer property, the first decision is whose loss the bond should protect; the named form and insured interest must both match the requirement.

Quote inputs and bond recourse

TechInsurance says bond cost is typically calculated from the amount and can depend on bond type, size, industry, employee access and credit score; it offers an online application ([3]). CNA’s overview says experienced specialists help resolve surety and fidelity claims ([1]). Ask the TechInsurance agent for the surety’s recourse terms and compare the quoted amount, form and claim process with CNA’s proposal.

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

  • Is the TechInsurance quote first-party or third-party, what bond amount is requested, and what recourse can the surety seek?
  • Which CNA fidelity form and claim process match the specific employee, customer or plan exposure?

CNA lists five fidelity forms. TechInsurance describes employee fraud, theft, forgery and embezzlement and distinguishes bonds protecting the business from those protecting clients.

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
    Glossary of Insurance Terms

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

  3. 03
    Fidelity Bonds – Quotes Online

    TechInsurance · What do fidelity bonds cover? (fraud, theft, forgery, embezzlement, employee benefits theft/ERISA); What is the difference between first-party and third-party fidelity bonds?; What are the different kinds of fidelity bonds?; How much do fidelity bonds cost?; What is the difference between commercial crime insurance and a fidelity bond? · accessed 2026-09-23

  4. 04
    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

  5. 05
    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

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