---
title: "Beazley vs HUB International Fidelity Bonds"
description: "Beazley underwrites Financial Fidelity Bonds with $25 million advertised limits; HUB places Crime/Fidelity and Financial Institution Bonds through ProEx."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs HUB International Fidelity Bonds

Beazley underwrites Financial Fidelity Bonds with $25 million advertised limits; HUB places Crime/Fidelity and Financial Institution Bonds through ProEx.

## Research Scope and Use

Use this comparison to evaluate Beazley and HUB International 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

Beazley issues Financial Fidelity Bonds for financial institutions, with Forms 14, 15, 24 and 25 and advertised limits up to US $25 million. HUB places Crime/Fidelity as executive liability and Financial Institution Bonds as a separate financial-institutions offering through its ProEx practice, without publishing insuring agreements or penalties. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Fidelity Bonds

### Underwritten FI Bond Versus ProEx Catalogue Entries

Beazley underwrites Financial Fidelity Bonds for financial institutions. HUB places crime and fidelity, including financial institution bonds, through ProEx Professional & Executive Risk and does not underwrite them. HUB’s list names “Crime / Fidelity” under Executive Liability and “Financial Institution Bonds” under Financial Institutions; Beazley sells a named Financial Fidelity Bond product with a coverage description. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Coverage Detail and Limits

Beazley describes employee theft plus forgery, in-transit, computer fraud, client-property loss, credit-card fraud and related expenses, and advertises limits up to US $25,000,000. HUB’s ProEx page gives no further description of insuring agreements or exclusions for either catalogue entry and does not publish bond penalties. HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Application Forms Versus a ProEx Specialist

Beazley lists dedicated FI Bond Forms 14, 15, 24 and 25. HUB directs prospects to contact a ProEx specialist rather than an online bind, and says the ProEx team provides analytics, litigation support and risk-management services. Beazley’s page does not describe those ProEx services; HUB’s page does not list the FI forms. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What to Confirm in Fidelity Bonds Quotes

- Ask Beazley which FI form and which limit within the $25 million headline apply. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Ask HUB whether the quote is Crime/Fidelity, a Financial Institution Bond, or both, and which carrier writes it. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Get specimen wording from HUB, which the ProEx list does not include. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Confirm whether Beazley’s Commercial Crime fraudulent-instruction wording applies to the fidelity bond. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## Offering Details

| Criteria | Beazley Financial Fidelity Bonds | HUB International Crime and Fidelity Bond Brokerage |
| --- | --- | --- |
| Role in This Line | Beazley underwrites Financial Fidelity Bonds, which it markets specifically to financial institutions, as a separate line from the Commercial Crime product it sells to ordinary commercial companies on the same page. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Crime and Fidelity product page; "fidelity bonds" is the name the page uses for the financial-institution version of this crime coverage..) | 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds..) |
| Issuing Insurer | Not described in the reviewed sources. | 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) |
| Who It’s For | Beazley says its expert team underwrites Financial Fidelity Bonds for financial institutions. The page does not name which types of financial institution (e.g., banks, credit unions, broker-dealers) qualify. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page target-customer statement; no institution-type list or asset-size threshold is published..) | No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description..) |
| Coverage Features | Beazley describes fidelity bonds as protecting a financial institution from loss of money and securities caused by employee theft, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expenses. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page's general description of crime/fidelity coverage; the page does not itemize a separate insuring-agreement list for fidelity bonds versus Commercial Crime..)<br><br>The reviewed page attributes its fraudulent-instruction (social-engineering) insuring agreement and out-of-band-authentication condition to "our Commercial Crime policy" specifically. It does not state that Financial Fidelity Bonds include this same insuring agreement. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not found in reviewed sources; scope: Checked against the full product page text as of 2026-09-23; absence of a fidelity-bond-specific statement is not evidence the coverage is unavailable to financial institutions..) | 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list only; these are catalogue entries, not policy-form descriptions..) |
| Limits and Retentions | The product page advertises limits of up to US $25,000,000 for this line without separately breaking out a fidelity-bond-specific maximum from the Commercial Crime figure on the same page. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Shared headline limit figure; retentions and bond-specific sub-limits are not published..) | Published bond penalty amounts, limits or retentions were not found on the ProEx page. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations..) |
| Risk Services | Beazley says its underwriting and claims professionals for this product family work side by side so that the original underwriting intent is respected when a claim arises. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Company-stated internal process description applying to the Crime and Fidelity product family generally; no fidelity-bond-specific service is separately described..) | 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single bond placement..) |
| How to Apply | Beazley lists dedicated Financial Institution bond application forms in its Tools & Resources: FI Bond Form 14, Form 15, Form 24 and Form 25, separate from the Commercial Crime application forms on the same page. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow..) | HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) |
| Claims Support | The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims process specific to Financial Fidelity Bonds. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not publicly disclosed; scope: Product page "Notify a Claim" link as read on 2026-09-23; response times were not found..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity bonds and employee-dishonesty coverage protect against specified losses caused by dishonest employees or people handling plan assets.
- [Beazley vs HUB International Commercial Property Insurance](https://spot.insure/compare/beazley-vs-hub-international/commercial-property)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [Beazley vs HUB International Cyber Insurance](https://spot.insure/compare/beazley-vs-hub-international/cyber)
- [Beazley vs HUB International D&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/directors-officers)
- [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices)
- [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary)
- [Beazley vs HUB International General Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/general-liability)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)
- [Beazley vs HUB International Management Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/management-liability)
- [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Beazley vs HUB International Product Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/product-liability)
- [Beazley vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-hub-international/professional-errors-omissions)
- [Beazley vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-hub-international/representations-warranties)
- [Beazley vs HUB International Tech E&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/technology-errors-omissions)
- [Beazley vs HUB International Telehealth Insurance](https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth)
- [Beazley vs Coverdash Fidelity Bonds](https://spot.insure/compare/beazley-vs-coverdash/fidelity-bonds)
- [Beazley vs Founder Shield Fidelity Bonds](https://spot.insure/compare/beazley-vs-foundershield/fidelity-bonds)
- [Beazley vs Gallagher Fidelity Bonds](https://spot.insure/compare/beazley-vs-gallagher/fidelity-bonds)
- [Beazley vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/beazley-vs-heffernan/fidelity-bonds)
- [Beazley vs Marsh Fidelity Bonds](https://spot.insure/compare/beazley-vs-marsh/fidelity-bonds)
- [Coverdash vs HUB International Fidelity Bonds](https://spot.insure/compare/coverdash-vs-hub-international/fidelity-bonds)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Financial Fidelity Bonds for financial institutions; Limits up to US $25,000,000; How can we help; Tools & Resources FI Bond application forms. Accessed 2026-09-23.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). 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.

### Fidelity Bonds Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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