---
title: "Beazley vs TechInsurance Fidelity Bonds"
description: "Beazley underwrites Financial Fidelity Bonds for financial institutions; TechInsurance arranges first-party, third-party, janitorial and ERISA fidelity bonds online."
canonical: "https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# Beazley vs TechInsurance Fidelity Bonds

Beazley underwrites Financial Fidelity Bonds for financial institutions; TechInsurance arranges first-party, third-party, janitorial and ERISA fidelity bonds online.

## Research Scope and Use

Use this comparison to evaluate Beazley 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

Beazley underwrites Financial Fidelity Bonds for financial institutions and lists FI Bond Forms 14, 15, 24 and 25. TechInsurance arranges fidelity bonds covering employee fraud, theft, forgery and embezzlement, with first-party, third-party, janitorial and ERISA variants requested through a short online application. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [6](https://www.techinsurance.com/about-us "About TechInsurance") [7](https://www.techinsurance.com/contact-us "Contact Us")

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

## What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Fidelity Bonds

### Who Underwrites Versus Who Arranges

Beazley underwrites Financial Fidelity Bonds for financial institutions, as a separate line from the Commercial Crime product on the same page. TechInsurance arranges fidelity bonds, describing them as a type of commercial crime insurance and a type of surety bond, and says the bonding company can seek repayment from the employee responsible for a dishonest act. TechInsurance’s reviewed page does not name a surety for a standard (non-ERISA) bond. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### What Each Cover Description Includes

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, on-premises and in-transit loss, computer fraud, client-property loss, credit-card fraud and related expenses. TechInsurance says fidelity bonds cover employee fraud, theft, forgery and embezzlement against the business or its clients, and distinguishes first-party bonds from third-party bonds, plus employee-dishonesty, business-service, janitorial and ERISA variants. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### How You Apply

Beazley lists dedicated Financial Institution bond application forms: FI Bond Form 14, Form 15, Form 24 and Form 25. The reviewed page does not describe an online quote or self-service purchase. You request TechInsurance fidelity bond quotes online through a short application; TechInsurance says licensed agents can help add the bonds to a broader coverage package. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## What to Confirm in Fidelity Bonds Quotes

- Ask Beazley which FI form applies and whether the advertised US $25 million figure is a shared Crime and Fidelity headline or the limit on your bond. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Ask TechInsurance whether the quote is first-party, third-party, janitorial or ERISA, and which surety issues it. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- If the TechInsurance quote is an ERISA bond, confirm the surety is authorized by the U.S. Department of the Treasury. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Get written bond amounts from both. Beazley’s page does not publish retentions; TechInsurance says cost is typically based on bond amount and underwriting factors. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## Offering Details

| Criteria | Beazley Financial Fidelity Bonds | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| 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..) | 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. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| Issuing Insurer | Not described in the reviewed sources. | 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. [8](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 | 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..) | 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. [8](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 | 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..) | 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. [8](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 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..) | 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. [8](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 | 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..) | Not described in the reviewed sources. |
| 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..) | 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. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| 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 TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance): 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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/beazley-vs-techinsurance/commercial-property)
- [Beazley vs TechInsurance Cyber Insurance](https://spot.insure/compare/beazley-vs-techinsurance/cyber)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/directors-officers)
- [Beazley vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/employment-practices)
- [Beazley vs TechInsurance General Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/general-liability)
- [Beazley vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-techinsurance/professional-errors-omissions)
- [Beazley vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/technology-errors-omissions)
- [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 HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds)
- [Beazley vs Marsh Fidelity Bonds](https://spot.insure/compare/beazley-vs-marsh/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.

### TechInsurance

6. [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.
7. [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.
8. [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

9. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-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)