--- title: "The Baldwin Group vs TechInsurance: Fidelity Bonds" description: "TechInsurance distinguishes first-party and third-party fidelity bonds and offers an online application; Baldwin lists commercial crime/fidelity for professional-services firms without detailing bond types." canonical: "https://spot.insure/compare/baldwin-vs-techinsurance/fidelity-bonds" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-techinsurance" provider-a: "baldwin" provider-b: "techinsurance" coverage-line: "fidelity-bonds" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/baldwin-vs-techinsurance/fidelity-bonds) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group 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 The Baldwin Group 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:** - The Baldwin Group vs TechInsurance for Fidelity Bonds: how do they differ? - Which is better for Fidelity Bonds, The Baldwin Group or TechInsurance? - What does The Baldwin Group or TechInsurance publish about Fidelity Bonds (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fidelity Bonds from The Baldwin Group or TechInsurance? **Key facts:** - Line: Fidelity Bonds. Providers: The Baldwin Group 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:** - [The Baldwin Group vs TechInsurance](https://spot.insure/compare/baldwin-vs-techinsurance) — parent: all coverage lines for this pair - [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [The Baldwin Group vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs TechInsurance Cyber Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-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 TechInsurance Fidelity Bonds](https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Beazley Fidelity Bonds](https://spot.insure/compare/baldwin-vs-beazley/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Coverdash Fidelity Bonds](https://spot.insure/compare/baldwin-vs-coverdash/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Founder Shield Fidelity Bonds](https://spot.insure/compare/baldwin-vs-foundershield/fidelity-bonds) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs TechInsurance: How Do They Compare for Fidelity Bonds? TechInsurance distinguishes first-party and third-party fidelity bonds and offers an online application; Baldwin lists commercial crime/fidelity for professional-services firms without detailing bond types. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group 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 names employee fraud, theft, forgery and embezzlement, plus several bond variants and an online quote route; The Baldwin Group identifies a commercial bond option but not its covered acts or obligee. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## 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 covered losses TechInsurance describes first-party bonds for a business’s own losses and third-party bonds protecting clients, and lists employee dishonesty, janitorial, business-service and ERISA forms. Baldwin lists crime/fidelity bonds for professional-services firms but does not identify bond variants. Ask Baldwin which form fits your contract or client requirement and compare the employee definition with TechInsurance’s options. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ### Application and underwriting factors TechInsurance offers a short online quote application and says bond amount, industry, number of employees with sensitive-data access and credit can affect cost. Baldwin describes tailored brokerage advice without publishing application or cost factors. Buyers can use TechInsurance’s route to begin a quote; ask Baldwin what records its surety markets need and who will issue the bond. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") ## What to Confirm in Fidelity Bonds Quotes - Does TechInsurance quote the required first- or third-party form and identify its surety? What underwriting records and cost drivers would Baldwin’s market require? ## Offering Details | Criteria | Baldwin Commercial Fidelity Bond Brokerage and Advisory | TechInsurance Fidelity Bonds | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Commercial Fidelity Bond. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | 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 | Baldwin lists professional-services firms among the commercial sectors for which it can arrange crime/fidelity-bond options. The page does not establish a bond applicant’s eligibility or identify a surety. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product 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 | Baldwin lists a commercial crime/fidelity bond as an option for professional-services clients. It does not describe a specific bond form, protected obligee, covered employee conduct or bond amount. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | 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 source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | 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 | Baldwin describes market navigation and tailored risk and insurance advice for accountants, architects, engineers, financial advisers, lawyers, consultants and surveyors. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | 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 - [The Baldwin Group vs TechInsurance](https://spot.insure/compare/baldwin-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. - [The Baldwin Group vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/commercial-auto) - [The Baldwin Group vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/commercial-property) - [The Baldwin Group vs TechInsurance Cyber Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/cyber) - [The Baldwin Group vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/employment-practices) - [The Baldwin Group vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/umbrella-excess) - [The Baldwin Group vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-techinsurance/workers-compensation) - [AIG vs The Baldwin Group Fidelity Bonds](https://spot.insure/compare/aig-vs-baldwin/fidelity-bonds) - [AIG vs TechInsurance Fidelity Bonds](https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds) - [The Baldwin Group vs Beazley Fidelity Bonds](https://spot.insure/compare/baldwin-vs-beazley/fidelity-bonds) - [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds) - [The Baldwin Group vs Coverdash Fidelity Bonds](https://spot.insure/compare/baldwin-vs-coverdash/fidelity-bonds) - [The Baldwin Group vs Founder Shield Fidelity Bonds](https://spot.insure/compare/baldwin-vs-foundershield/fidelity-bonds) ## Sources ### The Baldwin Group 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 3. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-services/). The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29.. 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. ## The Baldwin Group Reviews Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/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/baldwin-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)