---
title: "CNA vs TechInsurance: Fidelity Bonds"
description: "CNA names five fidelity bond types; TechInsurance distinguishes first-party business losses from third-party client losses and lists several bond variants."
canonical: "https://spot.insure/compare/cna-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-techinsurance"
provider-a: "cna"
provider-b: "techinsurance"
coverage-line: "fidelity-bonds"
---

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

## Agent Guide

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

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

**Related pages:**
- [CNA vs TechInsurance](https://spot.insure/compare/cna-vs-techinsurance) — 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)
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence)
- [CNA vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/cna-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/cna-vs-techinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/cna-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Cyber Insurance](https://spot.insure/compare/cna-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance D&O Insurance](https://spot.insure/compare/cna-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance General Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/cna-vs-techinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-techinsurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/cna-vs-techinsurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-techinsurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [CNA vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-techinsurance/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 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 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 TechInsurance Fidelity Bonds](https://spot.insure/compare/baldwin-vs-techinsurance/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 TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

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

CNA names five fidelity bond types; TechInsurance distinguishes first-party business losses from third-party client losses and lists several bond variants.

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

Use this comparison to evaluate CNA 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.

## CNA vs TechInsurance Fidelity Bonds Summary

CNA lists five fidelity forms. TechInsurance describes employee fraud, theft, forgery and embezzlement and distinguishes bonds protecting the business from those protecting clients. [4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## 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 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. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [7](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. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](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") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions")

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

### Forms and protected interests

CNA 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")). TechInsurance describes employee fraud, theft, forgery and embezzlement and distinguishes first-party bonds for the business from third-party bonds for clients ([8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")). For a buyer whose employees access customer property, the first decision is whose loss the bond should protect; the named form and insured interest must both match the requirement.

### Quote inputs and bond recourse

TechInsurance says bond cost is typically calculated from the amount and can depend on bond type, size, industry, employee access and credit score; it offers an online application ([8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")). CNA’s overview says experienced specialists help resolve surety and fidelity claims ([4](https://www.cna.com/products/cna-surety "CNA Surety - Surety and Fidelity Bonds | CNA Insurance")). Ask the TechInsurance agent for the surety’s recourse terms and compare the quoted amount, form and claim process with CNA’s proposal.

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

- Is the TechInsurance quote first-party or third-party, what bond amount is requested, and what recourse can the surety seek?
- Which CNA fidelity form and claim process match the specific employee, customer or plan exposure?

## CNA vs TechInsurance Fidelity Bonds Compared

| Criteria | CNA Fidelity Bonds | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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 | 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. [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 | Confirm in your quote. | 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 | 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..) | 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 | Confirm in your quote. | 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 | 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. | 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..) |

## Related Pages for CNA vs TechInsurance Fidelity Bonds

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

## Sources for CNA vs TechInsurance 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 TechInsurance

5. [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.
6. [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.
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.

### Sources for the 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.
10. [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.
11. [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).

## TechInsurance Review Scores for 2026

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/cna-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)