Coverdash vs Gallagher Fidelity Bonds

Coverdash arranges fidelity bonds as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the fidelity-bonds card on the surety-bond page; not specific to any one carrier or state.

Gallagher's Executive and Financial Risk practice places fidelity bond coverage with outside carriers alongside its employee-dishonesty (crime) coverage; it does not underwrite the bond. ⁷Company-reported. Group-level executive-and-financial-risk practice page; fidelity bonds are described jointly with crime coverage, not as a fully separate section.

The surety-bond page does not name the insurer that issues fidelity bonds. ⁴Not publicly disclosed. Reviewed surety-bond page as of 2026-09-23; the page describes coverage without naming a specific carrier.

The executive-and-financial-risk page does not name the insurer that would issue a given client's fidelity bond. ⁷Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

The surety-bond page's eligibility description (contractors, licensed trades and businesses bidding on contracts) is written for surety bonds generally and does not separately describe who needs a fidelity bond specifically. ⁴Not found in reviewed sources. Page-level eligibility text is shared across all four bond types on the page; it was not written specifically for employee-dishonesty coverage.

Gallagher ties fidelity bond limit-setting to a client's required bond limits under ERISA, indicating this offering is aimed at plan sponsors and fiduciaries needing ERISA fidelity bonding rather than a general commercial audience. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

Coverdash's surety-bond page describes fidelity bonds in a single line as protecting clients against loss from employee dishonesty; it does not have a dedicated fidelity-bond product page. ⁴Company-reported. One catalog card on the surety-bond page, not a full product description. Fidelity bonds are a distinct crime-type coverage rather than a three-party surety guarantee, even though Coverdash lists them on the same page as its surety bonds.

Not described in the reviewed sources.

The surety-bond page does not publish specific limit or bond-amount figures for fidelity bonds. ⁴Not publicly disclosed. Reviewed surety-bond page as of 2026-09-23; figures are quote-specific and not shown on the public page.

The page does not publish specific fidelity bond limits or premium ranges beyond describing the ERISA-linked methodology used to recommend a limit. ⁷Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Not described in the reviewed sources.

Gallagher says its methodology for fidelity bond and crime limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

Coverdash describes a fully digital quote-to-purchase process on its surety-bond page, which includes the fidelity-bond option among its four bond types. ⁴Company-reported. Product-page company information and cross-sell section.

Not described in the reviewed sources.

Not described in the reviewed sources.

Gallagher says it reviews coverage to confirm the carrier allows appropriate treatment of older incidents and does not use claims triggers that are too difficult to prove, a review it applies to the same crime-and-fidelity offering. ⁷Company-reported. Group-level executive-and-financial-risk practice page; a stated review practice, not a guarantee of claim payment.