---
title: "Coverdash vs Gallagher Fidelity Bonds"
description: "Coverdash and Gallagher both place fidelity bonds with outside carriers; Gallagher sizes limits using ERISA, peer analysis and an exposure index."
canonical: "https://spot.insure/compare/coverdash-vs-gallagher/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Coverdash vs Gallagher Fidelity Bonds

Coverdash and Gallagher both place fidelity bonds with outside carriers; Gallagher sizes limits using ERISA, peer analysis and an exposure index.

## Research Scope and Use

Use this comparison to evaluate Coverdash and Gallagher 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

Coverdash arranges fidelity bonds as a broker and describes them as protecting clients against employee dishonesty. Gallagher’s Executive and Financial Risk practice also places fidelity with outside carriers and ties recommended limits to ERISA requirements, peer analysis and a Surety Association exposure index. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. [1](https://www.coverdash.com/faq "Frequently Asked Questions") [2](https://www.coverdash.com/about "About Us") [3](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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

### Who Places the Bond

Coverdash arranges fidelity bonds as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. Gallagher’s Executive and Financial Risk practice places fidelity bond coverage with outside carriers alongside employee-dishonesty (crime) coverage and does not underwrite the bond. Neither Coverdash’s surety-bond page nor Gallagher’s executive-and-financial-risk page names the issuing insurer. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") [3](https://www.coverdash.com/terms "Terms And Conditions") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Who the Reviewed Pages Say the Bond Is For

Coverdash’s surety-bond page does not separately describe who needs a fidelity bond; the page-level eligibility text is written for surety bonds generally. Gallagher ties fidelity bond limit-setting to a client’s required bond limits under ERISA, indicating the offering is aimed at plan sponsors and fiduciaries needing ERISA fidelity bonding. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Published Limits Versus a Sizing Method

Coverdash’s surety-bond page does not publish specific limit or bond-amount figures for fidelity bonds. Gallagher’s reviewed page also does not publish specific fidelity bond limits or premium ranges; it describes a method for recommending a limit that includes ERISA-required amounts, peer analysis using third-party databases, and an exposure index developed by the Surety Association of America with the American Institute of Accountants. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What to Confirm in Fidelity Bonds Quotes

- Ask Coverdash which carrier issues the bond and what employee-dishonesty wording is on the form. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds")
- Ask Gallagher how the ERISA requirement, peer analysis and exposure index produced the recommended limit, and which carrier writes it. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get written bond amounts from both; neither reviewed page publishes them. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Gallagher how older incidents and claims triggers are treated on the specimen. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Offering Details

| Criteria | Coverdash Fidelity Bonds | Gallagher Fidelity Bond Insurance |
| --- | --- | --- |
| Role in This Line | Coverdash arranges fidelity bonds as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Company-reported; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; fidelity bonds are described jointly with crime coverage, not as a fully separate section..) |
| Issuing Insurer | The surety-bond page does not name the insurer that issues fidelity bonds. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Not publicly disclosed; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) |
| Who It’s For | 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. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Not found in reviewed sources; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| Coverage Features | 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. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Company-reported; scope: 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. |
| Limits and Retentions | The surety-bond page does not publish specific limit or bond-amount figures for fidelity bonds. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Not publicly disclosed; scope: 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) |
| Risk Services | 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| How to Apply | 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. [4](https://www.coverdash.com/coverage/surety-bond "Surety Bonds") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) | Not described in the reviewed sources. |
| Claims Support | 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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a stated review practice, not a guarantee of claim payment..) |

## Full Comparison

- [Coverdash vs Gallagher](https://spot.insure/compare/coverdash-vs-gallagher): 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.
- [Coverdash vs Gallagher Business Owner’s Policy](https://spot.insure/compare/coverdash-vs-gallagher/business-owners-policy)
- [Coverdash vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/coverdash-vs-gallagher/commercial-auto)
- [Coverdash vs Gallagher Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-gallagher/commercial-property)
- [Coverdash vs Gallagher Crime Insurance](https://spot.insure/compare/coverdash-vs-gallagher/crime)
- [Coverdash vs Gallagher Cyber Insurance](https://spot.insure/compare/coverdash-vs-gallagher/cyber)
- [Coverdash vs Gallagher D&O Insurance](https://spot.insure/compare/coverdash-vs-gallagher/directors-officers)
- [Coverdash vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/employment-practices)
- [Coverdash vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/fiduciary)
- [Coverdash vs Gallagher General Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/general-liability)
- [Coverdash vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-gallagher/kidnap-ransom)
- [Coverdash vs Gallagher Product Recall Insurance](https://spot.insure/compare/coverdash-vs-gallagher/product-recall)
- [Coverdash vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/coverdash-vs-gallagher/professional-errors-omissions)
- [Coverdash vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/coverdash-vs-gallagher/representations-warranties)
- [Coverdash vs Gallagher Surety Bonds](https://spot.insure/compare/coverdash-vs-gallagher/surety-bonds)
- [Coverdash vs Gallagher Tech E&O Insurance](https://spot.insure/compare/coverdash-vs-gallagher/technology-errors-omissions)
- [Coverdash vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/umbrella-excess)
- [Coverdash vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/coverdash-vs-gallagher/workers-compensation)
- [Beazley vs Coverdash Fidelity Bonds](https://spot.insure/compare/beazley-vs-coverdash/fidelity-bonds)
- [Beazley vs Gallagher Fidelity Bonds](https://spot.insure/compare/beazley-vs-gallagher/fidelity-bonds)
- [Coverdash vs Founder Shield Fidelity Bonds](https://spot.insure/compare/coverdash-vs-foundershield/fidelity-bonds)
- [Coverdash vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/coverdash-vs-heffernan/fidelity-bonds)
- [Coverdash vs HUB International Fidelity Bonds](https://spot.insure/compare/coverdash-vs-hub-international/fidelity-bonds)
- [Coverdash vs Marsh Fidelity Bonds](https://spot.insure/compare/coverdash-vs-marsh/fidelity-bonds)

## Sources

### Coverdash

1. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
2. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
3. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
4. [Surety Bonds](https://www.coverdash.com/coverage/surety-bond). Coverdash; Types of Coverage card 04, Fidelity bonds: "Protect clients against loss from employee dishonesty". Accessed 2026-09-23.

### Gallagher

5. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
6. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
7. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
9. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### 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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