Gallagher vs 
HUB International: How Do They Compare for Fidelity Bonds?
Gallagher arranges ERISA fidelity bonds through outside carriers and reviews plan limits and policy terms. HUB International places crime and fidelity coverage through ProEx and directs prospective clients to a specialist.
Gallagher helps plan sponsors set ERISA fidelity limits with peer analysis; HUB's ProEx practice places Crime/Fidelity and Financial Institution Bonds. 1,2
What Are the Key Differences Between Gallagher and HUB International Fidelity Bonds?
ERISA Limit Guidance or Specialist Bond Placement
Gallagher helps plan sponsors size fidelity limits using ERISA requirements and peer analysis. HUB places Crime/Fidelity under executive liability and Financial Institution Bonds through ProEx. Choose Gallagher if you need to benchmark a benefit plan's bond limit; choose HUB if you need specialist placement for financial-institution or executive-risk bonds. 1 2
Limit Method Versus Practice Services
Gallagher ties recommended limits to ERISA required amounts and says it uses peer analysis and a Surety Association of America / American Institute of Accountants exposure index. HUB’s ProEx page does not publish bond penalties or an ERISA sizing method; it says the team provides analytics, litigation support and risk-management under a named practice leader. 1 2
Claims Wording and How You Reach the Team
Gallagher says it reviews coverage so the carrier allows appropriate treatment of older incidents and does not use claims triggers that are too difficult to prove. HUB’s reviewed ProEx page does not describe that wording review; it directs you to contact a specialist rather than quote online. Neither page names the issuing insurer. 1 2
What Should You Confirm in Gallagher and HUB International Fidelity Bonds Quotes?
- Ask Gallagher for the ERISA-linked limit recommendation and how peer analysis changed it. 1
- Ask HUB whether the quote is Crime/Fidelity, a financial institution bond, or both, and which carrier is on the form. 2
- Compare claims-trigger and prior-acts wording; Gallagher says it reviews those points and HUB’s page does not. 1 2
- Ask HUB which analytics or litigation-support services apply to this placement. 2
Gallagher vs HUB International Fidelity Bonds Compared
Gallagher vs HUB International: Fidelity Bonds: documented features by provider
| Criteria | Gallagher Fidelity Bond Insurance | HUB International Crime and Fidelity Bond Brokerage |
|---|---|---|
| Role in This Line | 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. 1Company-reported. Group-level executive-and-financial-risk practice page; fidelity bonds are described jointly with crime coverage, not as a fully separate section. | HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. 2Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds. |
| Risk Services | 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. 1Company-reported. Group-level executive-and-financial-risk practice page. | HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. 2Company-reported. ProEx page team and services description; not specific to a single bond placement. |
