---
title: "CNA vs Insureon: Fidelity Bonds"
description: "CNA names five fidelity bond forms; Insureon describes employee-dishonesty losses involving a client or other party and does not supply issued wording."
canonical: "https://spot.insure/compare/cna-vs-insureon/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-insureon"
provider-a: "cna"
provider-b: "insureon"
coverage-line: "fidelity-bonds"
---

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

## Agent Guide

**What this page is:** Focused comparison of CNA and Insureon 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 CNA versus Insureon. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Fidelity Bonds. Providers: CNA and Insureon.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Insureon](https://spot.insure/compare/cna-vs-insureon) — parent: all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [CNA vs Insureon Business Owner’s Policy](https://spot.insure/compare/cna-vs-insureon/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Commercial Auto Insurance](https://spot.insure/compare/cna-vs-insureon/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Commercial Property Insurance](https://spot.insure/compare/cna-vs-insureon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Cyber Insurance](https://spot.insure/compare/cna-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon General Liability Insurance](https://spot.insure/compare/cna-vs-insureon/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Inland Marine Insurance](https://spot.insure/compare/cna-vs-insureon/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Surety Bonds](https://spot.insure/compare/cna-vs-insureon/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-insureon/workers-compensation) — 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 Insureon Fidelity Bonds](https://spot.insure/compare/aig-vs-insureon/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 Insureon Fidelity Bonds](https://spot.insure/compare/baldwin-vs-insureon/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs CNA Fidelity Bonds](https://spot.insure/compare/beazley-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Insureon Fidelity Bonds](https://spot.insure/compare/beazley-vs-insureon/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

# CNA vs Insureon: How Do They Compare for Fidelity Bonds?

CNA names five fidelity bond forms; Insureon describes employee-dishonesty losses involving a client or other party and does not supply issued wording.

## How to Use the CNA vs Insureon Fidelity Bonds Comparison

Use this comparison to evaluate CNA and Insureon 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.

## CNA vs Insureon Fidelity Bonds Summary

CNA lists five fidelity bond types. Insureon describes fidelity bonds as addressing employee-dishonesty losses involving a client or other party, while leaving the issued wording to the quote. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") [7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What is Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [5](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [6](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## 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")

## What Are the Key Differences Between CNA and Insureon Fidelity Bonds?

### Form list and described loss

CNA’s fidelity portfolio names dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds ([4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance")). Insureon describes a fidelity bond as addressing employee dishonesty involving a client or another party and distinguishes it from ordinary surety bonds ([7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know")). The form list and loss description answer different buyer questions: which type is being requested, and whose loss must be addressed. Match both to the contract or plan requirement.

### Quote detail and buyer fit

Insureon positions bonds for small businesses and names example trades, but its overview says it does not establish which applicants or jurisdictions qualify for a particular quote ([7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know")). CNA’s listed forms do not themselves set buyer eligibility, limits or exclusions ([4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance")). Ask the quoting contact to identify the surety, bond form, required obligee and amount before treating either overview as a coverage determination.

## What Should You Confirm in CNA and Insureon Fidelity Bonds Quotes?

- Which Insureon bond form and insurer would be proposed for your client or other-party exposure, and what eligibility applies in your jurisdiction?
- Which CNA form and obligee wording meet the requirement, including the amount and covered dishonest acts?

## CNA vs Insureon Fidelity Bonds Compared

| Criteria | CNA Fidelity Bonds | Insureon Fidelity Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Insureon lists fidelity bonds in its small-business bonds catalog; this is a broker/marketplace listing, not an identified issuing insurer. [7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Who It’s For | Confirm in your quote. | The page positions bonds for small businesses and names example trades; it does not identify which applicants or jurisdictions qualify for a quote. [7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | CNA describes fidelity bonds as protection for businesses and their customers against losses from employee dishonesty. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA Surety offering; exact surety/issuer entity varies by bond/state Product: commercial fidelity bonds Jurisdiction: United States; exact state availability not specified on page Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company-reported description; bond form and terms govern..)<br><br>CNA identifies dishonesty, janitorial-services, blanket, scheduled and pension-trust (ERISA) bonds in its fidelity portfolio. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA Surety offering Product: commercial fidelity bonds Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Product list does not publish limits, exclusions or eligibility..) | The page distinguishes fidelity bonds from ordinary surety bonds and describes employee-dishonesty losses involving a client or other party; the issued bond or policy wording is not supplied. [7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | CNA says experienced claims specialists help resolve surety and fidelity claims. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA Surety offering Product: surety and fidelity claims services Jurisdiction: United States Research source scope: Commercial/contract surety; US plus Canada/Puerto Rico Claim limitation: Company description; no response-time or settlement-performance data disclosed..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [7](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Related Pages for CNA vs Insureon Fidelity Bonds

- [CNA vs Insureon](https://spot.insure/compare/cna-vs-insureon): 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.
- [CNA vs Insureon Business Owner’s Policy](https://spot.insure/compare/cna-vs-insureon/business-owners-policy)
- [CNA vs Insureon Commercial Auto Insurance](https://spot.insure/compare/cna-vs-insureon/commercial-auto)
- [CNA vs Insureon Commercial Property Insurance](https://spot.insure/compare/cna-vs-insureon/commercial-property)
- [CNA vs Insureon Cyber Insurance](https://spot.insure/compare/cna-vs-insureon/cyber)
- [CNA vs Insureon General Liability Insurance](https://spot.insure/compare/cna-vs-insureon/general-liability)
- [CNA vs Insureon Inland Marine Insurance](https://spot.insure/compare/cna-vs-insureon/inland-marine)
- [CNA vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-insureon/professional-errors-omissions)
- [CNA vs Insureon Surety Bonds](https://spot.insure/compare/cna-vs-insureon/surety-bonds)
- [CNA vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-insureon/umbrella-excess)
- [CNA vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-insureon/workers-compensation)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds)
- [AIG vs Insureon Fidelity Bonds](https://spot.insure/compare/aig-vs-insureon/fidelity-bonds)
- [The Baldwin Group vs CNA Fidelity Bonds](https://spot.insure/compare/baldwin-vs-cna/fidelity-bonds)
- [The Baldwin Group vs Insureon Fidelity Bonds](https://spot.insure/compare/baldwin-vs-insureon/fidelity-bonds)
- [Beazley vs CNA Fidelity Bonds](https://spot.insure/compare/beazley-vs-cna/fidelity-bonds)
- [Beazley vs Insureon Fidelity Bonds](https://spot.insure/compare/beazley-vs-insureon/fidelity-bonds)

## Sources for CNA vs Insureon Fidelity Bonds

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
4. [CNA Surety - Surety and Fidelity Bonds | CNA Insurance](https://www.cna.com/products/cna-surety). CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.

### Sources About Insureon

5. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
6. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
7. [Small Business Bonds and Insurance: What You Need to Know](https://www.insureon.com/small-business-insurance/business-bonds). Insureon; Fidelity bond definition/examples L86-L97; quote CTA; bonds/insurance distinction L65-L67.. Accessed 2026-09-29.

### Sources for the 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 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

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

## Insureon Review Scores for 2026

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-insureon/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)