---
title: "Founder Shield vs TechInsurance: Fidelity Bonds"
description: "Founder Shield focuses on ERISA fidelity for plan assets; TechInsurance offers first-party, third-party, janitorial and ERISA variants through an online application."
canonical: "https://spot.insure/compare/foundershield-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "foundershield-vs-techinsurance"
provider-a: "foundershield"
provider-b: "techinsurance"
coverage-line: "fidelity-bonds"
---

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

## Agent Guide

**What this page is:** Focused comparison of Founder Shield 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 Founder Shield versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Founder Shield vs TechInsurance for Fidelity Bonds: how do they differ?
- Which is better for Fidelity Bonds, Founder Shield or TechInsurance?
- What does Founder Shield or TechInsurance publish about Fidelity Bonds (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fidelity Bonds. Providers: Founder Shield and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-vs-techinsurance) — all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — how this coverage works
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

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

Founder Shield brokers ERISA fidelity bonds for plan sponsors and fiduciaries, with statutory minimums tied to plan funds handled. TechInsurance arranges commercial fidelity bonds online and does not name the specific insurer.

Founder Shield places ERISA plan bonds; TechInsurance offers multiple fidelity types including first-party, third-party and ERISA online.

## Founder Shield vs TechInsurance Fidelity Bonds Summary

Founder Shield focuses on ERISA fidelity for plan assets; TechInsurance offers first-party, third-party, janitorial and ERISA variants through an online application. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

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

### ERISA Bond or Multiple Bond Types

Founder Shield places an ERISA fidelity bond for plan sponsors and fiduciaries. TechInsurance lists first-party, third-party, janitorial, business-service and ERISA options through an online application. Choose Founder Shield if you need an ERISA plan bond with a stated statutory amount; choose TechInsurance if you need to compare first-party, third-party or janitorial coverage online. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Covered Loss and Who Needs It

Founder Shield lists theft, embezzlement, forgery, misappropriation and larceny of benefit-plan funds, aimed at plan sponsors, fiduciaries, TPAs and 401(k) sponsors. TechInsurance says the bonds cover employee fraud, theft, forgery and embezzlement against the business or its clients, and targets firms whose staff handle sensitive financial information or unsupervised client property, with examples such as web hosting, cleaning, healthcare and security-guard companies. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Carriers, Cost and Application

Founder Shield says it places only with AM Best A- or better carriers and restates ERISA’s 10% / $1,000–$500,000 (or $1 million) amounts. TechInsurance does not name a standard surety, but says an ERISA fidelity bond must be purchased from a Treasury-authorized surety, and that cost varies with bond amount, type, industry, employee access and credit score. You request Founder Shield through its site or an advisor; TechInsurance uses a short online application. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [2](https://foundershield.com/about-us/ "About Us") [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

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

- Ask Founder Shield for the A-rated issuer and whether the penalty meets ERISA for your plan assets. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- Ask TechInsurance which variant is quoted and, if ERISA, which Treasury-listed surety issues it. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Confirm first-party versus third-party intent; Founder Shield’s page is about plan assets, TechInsurance’s also about client property. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Compare premium bases: TechInsurance lists underwriting factors; Founder Shield’s page does not publish a premium method. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond")

## Founder Shield vs TechInsurance Fidelity Bonds Compared

| Criteria | Founder Shield ERISA Fidelity Bond | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| Limits and Retentions | Founder Shield's page states the federal ERISA bonding requirement: at least 10% of plan funds handled, with a minimum bond of $1,000 and a maximum of $500,000 (up to $1 million for plans holding employer securities). This is the statutory minimum, not a Founder Shield-specific limit. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") (Evidence: Company-reported; scope: Product page describing the ERISA statutory bonding requirement..) | 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. [4](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..) |
| Who It’s For | Founder Shield says this bond is required for plan sponsors offering a retirement plan, the fiduciaries who manage it, third-party administrators, and even small businesses with a simple 401(k). [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") (Evidence: Company-reported; scope: ERISA Fidelity Bond product page..) | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, Who should get fidelity bonds? section..) |
| How to Apply | You request Founder Shield ERISA Fidelity Bond through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [2](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| Coverage Features | Founder Shield lists theft and embezzlement of plan assets, forgery, misappropriation and larceny by those who handle a benefit plan's funds as what an ERISA fidelity bond covers. [1](https://foundershield.com/coverage/erisa-fidelity-bond/ "ERISA Fidelity Bond") (Evidence: Company-reported; scope: Product page; the issued bond and its terms control actual coverage..) | 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. [4](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..) |
| Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield ERISA Fidelity Bond with third-party carriers rather than underwriting the policy itself. [2](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| Issuing Insurer | Founder Shield says it places policies, including Founder Shield ERISA Fidelity Bond, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page as read on 2026-09-23..) |

## About Founder Shield and TechInsurance and Fidelity Bonds

- [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds)

## Related Pages for Founder Shield vs TechInsurance Fidelity Bonds

- [Founder Shield vs TechInsurance](https://spot.insure/compare/foundershield-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.
- [Founder Shield Fidelity Bonds](https://spot.insure/insurance-providers/foundershield/fidelity-bonds)
- [TechInsurance Fidelity Bonds](https://spot.insure/insurance-providers/techinsurance/fidelity-bonds)

## Sources for Founder Shield vs TechInsurance Fidelity Bonds

### Sources About Founder Shield

1. [ERISA Fidelity Bond](https://foundershield.com/coverage/erisa-fidelity-bond/). Founder Shield; What Is ERISA Fidelity Bond Insurance?; Who Needs ERISA Fidelity Bond Insurance Coverage?; What Does ERISA Fidelity Bond Insurance Cover?. Accessed 2026-09-23.
2. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.

### Sources About TechInsurance

4. [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.

Updated 2026-09-25. 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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