--- title: "Gallagher vs TechInsurance Fidelity Bonds" description: "Gallagher sizes fidelity using ERISA-linked limits and peer analysis; TechInsurance quotes first-party, third-party and ERISA bonds online." canonical: "https://spot.insure/compare/gallagher-vs-techinsurance/fidelity-bonds" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-techinsurance/fidelity-bonds) # Gallagher vs TechInsurance Fidelity Bonds Gallagher sizes fidelity using ERISA-linked limits and peer analysis; TechInsurance quotes first-party, third-party and ERISA bonds online. ## Research Scope and Use Use this comparison to evaluate Gallagher and TechInsurance 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 Gallagher places fidelity in Executive and Financial Risk with ERISA-linked limits and peer analysis. TechInsurance’s dedicated page lists first-party and third-party bonds, ERISA and other variants, example industries such as cleaning and healthcare, and a short online application. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ## 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](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 Is TechInsurance? TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [6](https://www.techinsurance.com/about-us "About TechInsurance") [7](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## What Are Fidelity Bonds? Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") ## Key Differences in Fidelity Bonds ### What You Are Buying Gallagher places a fidelity bond with outside carriers next to employee-dishonesty crime cover, and ties the limit to ERISA-required amounts for plan sponsors and fiduciaries. TechInsurance asks you to choose a bond kind, including first-party cover for the business, third-party cover for clients, and an ERISA variant. For a buyer, Gallagher is a limit-sizing exercise on a crime-and-fidelity placement; TechInsurance is a product-type choice before you apply. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ### How Amount and Price Are Explained Gallagher does not publish a dollar range. It says it recommends a limit using ERISA requirements, peer analysis and an exposure index from the Surety Association of America and the American Institute of Accountants. TechInsurance says premium typically follows the total bond amount, then bond type, industry risk, how many employees can reach sensitive data, and credit score. You would compare Gallagher’s recommended penalty with TechInsurance’s quoted amount and those pricing inputs. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ### How You Apply Gallagher’s reviewed page does not describe an online application. TechInsurance takes a short online application and says licensed agents can add the bond to a broader package. Gallagher does not name an insurer. TechInsurance does not name a surety for a standard bond, but says an ERISA bond must come from a Treasury-authorized surety. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ## What to Confirm in Fidelity Bonds Quotes - Ask Gallagher for the ERISA-linked recommended limit. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask TechInsurance which variant is on the quote and, for ERISA, which Treasury-authorized surety issues it. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") - Confirm whether Gallagher is placing crime cover beside the bond, which its practice describes as a joint offering. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask Gallagher how its review of older incidents and claims triggers would apply to the quoted wording. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Offering Details | Criteria | Gallagher Fidelity Bond Insurance | TechInsurance Fidelity Bonds | | --- | --- | --- | | 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. [3](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..) | 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. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) | | Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's fidelity bond. [3](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..) | 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. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page as read on 2026-09-23..) | | Who It’s For | 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. [3](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..) | 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. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, Who should get fidelity bonds? section..) | | Coverage Features | Not described in the reviewed sources. | 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. [8](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..) | | Limits and Retentions | The page does not publish specific fidelity bond limits or premium ranges beyond describing the ERISA-linked methodology used to recommend a limit. [3](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..) | 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. [8](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..) | | 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. [3](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..) | Not described in the reviewed sources. | | How to Apply | Not described in the reviewed sources. | 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. [8](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) | | Claims Support | 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. [3](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..) | Not described in the reviewed sources. | ## Full Comparison - [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance): 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. - [Gallagher vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-techinsurance/business-owners-policy) - [Gallagher vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-auto) - [Gallagher vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-property) - [Gallagher vs TechInsurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/cyber) - [Gallagher vs TechInsurance D&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers) - [Gallagher vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/employment-practices) - [Gallagher vs TechInsurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/general-liability) - [Gallagher vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/professional-errors-omissions) - [Gallagher vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/technology-errors-omissions) - [Gallagher vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/umbrella-excess) - [Gallagher vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/workers-compensation) - [Beazley vs Gallagher Fidelity Bonds](https://spot.insure/compare/beazley-vs-gallagher/fidelity-bonds) - [Beazley vs TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds) - [Coverdash vs Gallagher Fidelity Bonds](https://spot.insure/compare/coverdash-vs-gallagher/fidelity-bonds) - [Coverdash vs TechInsurance Fidelity Bonds](https://spot.insure/compare/coverdash-vs-techinsurance/fidelity-bonds) - [Founder Shield vs Gallagher Fidelity Bonds](https://spot.insure/compare/foundershield-vs-gallagher/fidelity-bonds) - [Founder Shield vs TechInsurance Fidelity Bonds](https://spot.insure/compare/foundershield-vs-techinsurance/fidelity-bonds) ## Sources ### Gallagher 1. [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. 2. [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. 3. [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. 4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 5. [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. ### TechInsurance 6. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 7. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 8. [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. ### Fidelity Bonds Guide 9. [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). 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