Marsh vs Techinsurance: Fidelity Bonds

Marsh bundles fidelity with commercial crime insurance; a Marsh or Marsh McLennan Agency specialist can discuss the combined placement. TechInsurance arranges business fidelity bonds online and describes coverage variations, but does not name the insurer on its reviewed page.

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

TechInsurance lists first-party, third-party, janitorial and ERISA fidelity bonds and takes a short online application. Marsh includes employee fidelity inside commercial crime and sends you to a crime-and-fidelity specialist.

Sources consulted

  1. 01
    Commercial crime insurance

    Marsh · Employee white-collar fraud: Marsh data shows around 50% of crime policy notifications are for employee fidelity losses, involving trusted employees who exploit systems for personal gain · accessed 2026-09-23

  2. 02
    Expert Executive and Professional Liability Insurance

    Marsh McLennan Agency · Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom · accessed 2026-09-23

  3. 03
    Glossary of Insurance Terms

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

  4. 04
    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

  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 Marsh and TechInsurance Fidelity Bonds?

Named Bond Forms Online Versus a Crime Program

Marsh’s reviewed pages do not list a standalone fidelity bond; they treat employee white-collar fraud as a commercial-crime risk, and MMA groups commercial crime/fidelity as one practice item. TechInsurance details first-party and third-party forms, plus employee-dishonesty, business-service, janitorial and ERISA variants, and uses a short online application. For ERISA, TechInsurance says the bond must come from a Treasury-authorized surety. Choose TechInsurance if you want to compare named bond forms online; choose Marsh if you want fidelity considered inside a broader commercial-crime program. [1] [2] [4]

Who Each Firm Says the Cover Is For

Marsh’s reviewed pages do not publish fidelity-specific eligibility. TechInsurance aims the product at businesses whose employees handle sensitive financial information or unsupervised client property, naming examples such as web hosting, project management, cleaning, healthcare and security-guard companies. Marsh’s crime page speaks to employee fraud against the business; TechInsurance also sells third-party bonds meant to protect clients. [1] [4]

Specialist Intake Versus Online Quote and Cost Drivers

You engage a Marsh or MMA crime and fidelity specialist, because the cover sits with commercial crime rather than a separate application path. TechInsurance takes a short online application and says licensed agents can add fidelity bonds to a broader package. Marsh does not name an insurer or publish limits. TechInsurance does not name a surety for a standard bond, and says cost typically follows the total bond amount, then type, industry risk, employee access and credit score. [1] [2] [4]

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

  • Ask Marsh whether you are buying a crime policy, a surety-style fidelity bond, or both. [1] [2]
  • Ask TechInsurance which variant is on the quote and, for ERISA, which Treasury-listed surety issues it. [4]
  • Confirm first-party versus third-party intent if clients’ property is in play. [4] [1]
  • Compare retentions and whether the bonding company can seek repayment from the dishonest employee, which TechInsurance notes as a surety feature. [4]

Crime coverage

Marsh

  • role: Marsh does not sell fidelity coverage as a separate product line in the pages reviewed. It bundles fidelity with commercial crime insurance, and MMA lists "commercial crime/fidelity" together as one item in its executive and professional liability practice. MMA executive and professional liability page and Marsh's commercial crime page.company-reportedSource ↗Source ↗
  • coverage: Marsh describes employee white-collar fraud, meaning fidelity losses caused by trusted employees who exploit systems for personal gain, as one of the risks a commercial crime policy addresses; it says these losses make up about half of the crime-policy notifications in its data. Commercial crime insurance page; a fidelity-specific policy form was not identified as a distinct product from crime coverage.company-reportedSource ↗
  • insurer: The reviewed pages do not name a specific insurer for fidelity or crime/fidelity coverage. Commercial crime insurance and MMA executive and professional liability pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • application: You would engage a Marsh or MMA crime and fidelity specialist directly, since fidelity is placed together with commercial crime rather than through a separate application path in the reviewed pages. Commercial crime insurance and MMA executive and professional liability pages.company-reportedSource ↗Source ↗

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 ↗

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