---
title: "Gallagher vs HUB International: Fidelity Bonds"
description: "Gallagher helps plan sponsors set ERISA fidelity limits with peer analysis; HUB's ProEx practice places Crime/Fidelity and Financial Institution Bonds."
canonical: "https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-hub-international"
provider-a: "gallagher"
provider-b: "hub-international"
coverage-line: "fidelity-bonds"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and HUB International 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 Gallagher versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Fidelity Bonds. Providers: Gallagher and HUB International.
- 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:**
- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) — all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 provides ERISA limit guidance with peer benchmarking; HUB offers Crime/Fidelity and financial-institution bonds through ProEx.

## Gallagher vs HUB International Fidelity Bonds Summary

Gallagher helps plan sponsors set ERISA fidelity limits with peer analysis; HUB's ProEx practice places Crime/Fidelity and Financial Institution Bonds. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask HUB whether the quote is Crime/Fidelity, a financial institution bond, or both, and which carrier is on the form. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Compare claims-trigger and prior-acts wording; Gallagher says it reviews those points and HUB’s page does not. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask HUB which analytics or litigation-support services apply to this placement. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Gallagher vs HUB International Fidelity Bonds Compared

| 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. [1](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..) | 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single bond placement..) |

## About Gallagher and HUB International and Fidelity Bonds

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds)

## Related Pages for Gallagher vs HUB International Fidelity Bonds

- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international): 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.
- [Gallagher Fidelity Bonds](https://spot.insure/insurance-providers/gallagher/fidelity-bonds)
- [HUB International Fidelity Bonds](https://spot.insure/insurance-providers/hub-international/fidelity-bonds)

## Sources for Gallagher vs HUB International Fidelity Bonds

### Sources About Gallagher

1. [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.

### Sources About HUB International

2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement. 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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