Coverdash vs Hub International: Fidelity Bonds

Coverdash brokers fidelity bonds through outside carriers using a digital quote-to-purchase process. HUB International places crime and fidelity offerings through ProEx and directs prospective clients to a specialist.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-25

Coverdash offers an employee-dishonesty bond through its digital surety catalog; HUB places Crime/Fidelity and Financial Institution Bonds through its ProEx specialists.

Sources consulted

  1. 01
    Surety Bonds

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

  2. 02
    Terms And Conditions

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

  3. 03
    HUB ProEx

    HUB International · ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement · 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

What Are the Key Differences Between Coverdash and HUB International Fidelity Bonds?

Online Surety Flow or Specialist Placement

Coverdash lists an employee-dishonesty fidelity bond among its digital surety options. HUB's ProEx practice places Crime/Fidelity and separate Financial Institution Bonds through specialists. Choose Coverdash if you need a straightforward employee-dishonesty bond online; choose HUB if you need financial-institution bond coverage or broader executive-risk support. [1] [3]

What the Catalog Actually Describes

Coverdash’s reviewed card says the bond protects clients against employee dishonesty and stops there. HUB’s ProEx list names Crime/Fidelity and Financial Institution Bonds without describing insuring agreements, dishonest-act scenarios or exclusions for either. [1] [3]

Buying Route and Extra Services

You can start Coverdash’s digital quote-to-purchase process for the fidelity option. HUB directs prospects to a ProEx specialist rather than an online bind flow, and says that team provides analytics, litigation support and risk-management services. Neither reviewed page names the issuing carrier or a bond amount. [1] [3]

What Should You Confirm in Coverdash and HUB International Fidelity Bonds Quotes?

  • Ask Coverdash for the issuing surety and whether the bond is written for your own loss, your clients’ loss, or both. [1]
  • Ask HUB whether the quote is Crime/Fidelity, a financial institution bond, or both, and which carrier is on the form. [3]
  • Compare penalty amounts and retentions; Coverdash and HUB both leave those off the public pages. [1] [3]
  • Ask HUB which ProEx analytics or litigation-support services would attach to this placement. [3]

Crime coverage

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 ↗

HUB International

  • role: HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds.company-reportedSource ↗
  • coverage: HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. ProEx page coverage list only; these are catalogue entries, not policy-form descriptions.company-reportedSource ↗
  • eligibility: No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description.not-foundSource ↗
  • insurer: No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. Checked the ProEx page on 2026-09-23.not-foundSource ↗
  • limits: Published bond penalty amounts, limits or retentions were not found on the ProEx page. Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations.not-disclosedSource ↗
  • services: HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ProEx page team and services description; not specific to a single bond placement.company-reportedSource ↗
  • application: HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. ProEx page call to action.company-reportedSource ↗

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