---
title: "AIG vs TechInsurance: Fidelity Bonds"
description: "AIG targets financial institutions with FI bond forms; TechInsurance describes first-party, third-party, ERISA, janitorial, and employee-dishonesty bond types for businesses."
canonical: "https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-techinsurance"
provider-a: "aig"
provider-b: "techinsurance"
coverage-line: "fidelity-bonds"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds)

## Agent Guide

**What this page is:** Focused comparison of AIG and TechInsurance for Fidelity Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fidelity Bonds questions about AIG versus TechInsurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs TechInsurance for Fidelity Bonds: how do they differ?
- Which is better for Fidelity Bonds, AIG or TechInsurance?
- What does AIG or TechInsurance publish about Fidelity Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fidelity Bonds from AIG or TechInsurance?

**Key facts:**
- Line: Fidelity Bonds. Providers: AIG and TechInsurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs TechInsurance](https://spot.insure/compare/aig-vs-techinsurance) — parent: all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence)
- [AIG vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/aig-vs-techinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Cyber Insurance](https://spot.insure/compare/aig-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance D&O Insurance](https://spot.insure/compare/aig-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance General Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-techinsurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Fidelity Bonds](https://spot.insure/compare/aig-vs-beazley/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coverdash Fidelity Bonds](https://spot.insure/compare/aig-vs-coverdash/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Founder Shield Fidelity Bonds](https://spot.insure/compare/aig-vs-foundershield/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Fidelity Bonds](https://spot.insure/compare/aig-vs-gallagher/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

# AIG vs TechInsurance: How Do They Compare for Fidelity Bonds?

AIG targets financial institutions with FI bond forms; TechInsurance describes first-party, third-party, ERISA, janitorial, and employee-dishonesty bond types for businesses.

## Research Scope and Use

Use this comparison to evaluate AIG and TechInsurance for Fidelity Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

TechInsurance distinguishes first-party and client-protection bonds and lists ERISA, janitorial, and employee-dishonesty types; AIG focuses on financial-institution bond scenarios. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is TechInsurance?

TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Are Fidelity Bonds?

Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions")

## Key Differences in Fidelity Bonds

### Bond Type and Who Is Protected

TechInsurance distinguishes first-party fidelity bonds that protect the business from third-party bonds that protect clients, and lists employee-dishonesty, business-service, janitorial, and ERISA variants. AIG’s Financial Institution Bond materials target banks, lenders, asset managers, and insurers and name institution-focused fraud scenarios. A business should identify whether the bond protects its own funds, a client, or an employee plan before requesting terms; a financial institution can ask AIG for the bond form matching its activities. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance")

### Eligibility and Application

TechInsurance describes businesses with employees who handle financial information or unsupervised client property as likely audiences and offers a short online quote application with agent support. AIG organizes fidelity applications by institution type and does not provide a general business quote path in the reviewed material. Buyers should confirm the authorized surety for an ERISA bond where relevant, identify the obligee, and compare the bond amount and covered positions in the quote. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance")

## What to Confirm in Fidelity Bonds Quotes

- Ask TechInsurance whether the quote is first-party, third-party, or ERISA coverage and which surety will issue it. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Ask AIG which institution-specific form and amount address the required protection. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance")

## Offering Details

| Criteria | AIG Financial Institution Fidelity Bonds | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| Role in This Line | AIG markets Financial Institution Bonds separately from commercial-entity Crime Insurance. This draft covers the named bond family only and does not treat the crime policy as a fidelity bond. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| Issuing Insurer | Confirm in your quote. | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page as read on 2026-09-23..) |
| Who It’s For | AIG names banks, non-bank lenders, asset managers and insurance companies as financial-institution bond audiences. The page does not establish eligibility for a specific entity or jurisdiction. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, Who should get fidelity bonds? section..) |
| Coverage Features | AIG lists employee dishonesty, theft on premises, forgery, computer-systems fraud and impersonation fraud among financial-institution bond coverage examples. These examples are subject to the actual bond form and do not define all terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page; general policy description, not a specific bond form..) |
| Limits and Retentions | The reviewed pages do not state a standard bond amount or buyer-specific deductible. Confirm the bond form, amount and conditions with AIG for the particular institution. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, How much do fidelity bonds cost? section..) |
| Risk Services | AIG describes dedicated underwriting and claims teams for its crime and fidelity offerings. The application directory includes distinct fidelity applications by financial-institution type; this is an application path, not a bound bond. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |

## Full Comparison

- [AIG vs TechInsurance](https://spot.insure/compare/aig-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets.
- [AIG vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/aig-vs-techinsurance/commercial-auto)
- [AIG vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-techinsurance/commercial-property)
- [AIG vs TechInsurance Cyber Insurance](https://spot.insure/compare/aig-vs-techinsurance/cyber)
- [AIG vs TechInsurance D&O Insurance](https://spot.insure/compare/aig-vs-techinsurance/directors-officers)
- [AIG vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/employment-practices)
- [AIG vs TechInsurance General Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/general-liability)
- [AIG vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-techinsurance/inland-marine)
- [AIG vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-techinsurance/professional-errors-omissions)
- [AIG vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/umbrella-excess)
- [AIG vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-techinsurance/workers-compensation)
- [AIG vs The Baldwin Group Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds)
- [AIG vs Beazley Fidelity Bonds](https://spot.insure/compare/aig-vs-beazley/fidelity-bonds)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds)
- [AIG vs Coverdash Fidelity Bonds](https://spot.insure/compare/aig-vs-coverdash/fidelity-bonds)
- [AIG vs Founder Shield Fidelity Bonds](https://spot.insure/compare/aig-vs-foundershield/fidelity-bonds)
- [AIG vs Gallagher Fidelity Bonds](https://spot.insure/compare/aig-vs-gallagher/fidelity-bonds)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Crime and Fidelity Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/crime-and-financial-institution-bonds). AIG; Official AIG page, lines 257–275 and 353–354: separate Financial Institution Bonds section, named financial-institution audience and example covered losses; policy/state availability caveat. AIG’s Financial Lines Applications directory separately lists institution-specific fidelity applications.. Accessed 2026-09-30.

### TechInsurance

4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
5. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Fidelity Bonds – Quotes Online](https://www.techinsurance.com/fidelity-bonds). 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.

### Fidelity Bonds Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## TechInsurance Reviews

Review Score: 9.1 / 10 from 2 rated sources, equally weighted.

TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.

- Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com)
- ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)