What Are the Key Differences Between HUB International and Marsh Fidelity Bonds?
Separate Bond Listings Versus Crime Coverage
HUB ProEx lists Crime/Fidelity under executive liability and Financial Institution Bonds for financial institutions. Marsh does not list a standalone fidelity bond on the reviewed pages; its crime materials include fidelity, and MMA presents commercial crime/fidelity as one practice item. [1] [3] [2] Choose HUB if you need a financial-institution bond or separate ProEx bond listing; choose Marsh if you want fidelity handled within a commercial-crime program.
Catalogue Versus Loss Description
HUB’s page gives no further description of insuring agreements, dishonest-act scenarios or exclusions. Marsh describes employee white-collar fraud by trusted staff exploiting systems for personal gain, and says those fidelity losses are about half of crime-policy notifications in its data. [1] [2]
How You Reach the Desk
HUB directs prospects to a ProEx specialist and says that team provides analytics, litigation support and risk-management. Marsh’s reviewed pages send you to a Marsh or MMA crime-and-fidelity specialist because the cover sits with commercial crime. Neither names the issuing insurer or publishes a bond penalty. [1] [2] [3]
What Should You Confirm in HUB International and Marsh Fidelity Bonds Quotes?
- Ask HUB whether you need Crime/Fidelity, a financial institution bond, or both, and which carrier is on the form. [1]
- Ask Marsh whether the quote is a crime policy covering employee fidelity or a separate bond. [2] [3]
- Compare ProEx analytics and litigation support with Marsh’s crime-practice servicing on the same loss. [1] [2]
- Get limits, retentions and discovery wording from both. [1] [2]