What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 9,10,11
Key Differences in Fidelity Bonds
Limit analysis and track selection
Gallagher says it uses peer analysis, third-party databases, and an exposure index developed with the Surety Association of America and the American Institute of Accountants to help set fidelity-bond and crime limits. Zurich offers Express for a single straightforward non-union plan, with limits up to $1 million, and Select for multiple or complex plans with higher limits and optional coverages. Gallagher describes how a broker analyzes limits; Zurich describes product tracks and their broad fit. A plan sponsor can use both to establish a compliant amount and form. 3 8
Policy wording and claims review
Gallagher says it reviews coverage for appropriate treatment of older incidents and claim triggers that are not too difficult to prove. Zurich describes direct-loss protection for money, securities, or property caused by employee fraud or dishonesty and may include designated agents or contractors in the employee definition. Buyers should compare Zurich’s definitions and trigger language with Gallagher’s proposed carrier wording, particularly for prior incidents and plan administrators. 3 8
What to Confirm in Fidelity Bonds Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Gallagher vs Zurich U.S.: Fidelity Bonds: documented features by provider
| Criteria | Gallagher Fidelity Bond Insurance | Zurich ERISA Fidelity Bond |
|---|---|---|
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page; fidelity bonds are described jointly with crime coverage, not as a fully separate section. | Confirm in your quote. |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's fidelity bond. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | Confirm in your quote. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Zurich offers Express ERISA bonds for a single non-union plan with straightforward needs (fraud/dishonesty limits up to $1 million) and Select for multiple or complex plans with higher limits and optional coverages. 8Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Available for approved states; quoted limit and specific coverages depend on qualification. |
| Coverage Features | Confirm in your quote. | Zurich says its ERISA fidelity bond covers direct loss of money, securities or property caused by employee fraud or dishonest acts, and may include designated agents/independent contractors in its employee definition. 8Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Subject to definitions in the issued bond. |
| 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. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | The Express option offers fraud/dishonesty limits up to $1 million; Zurich says Select provides higher limits and added coverage flexibility for complex or multiple plans. 8Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. No numerical Select maximum appears in the opened page. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Confirm in your quote. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page; a stated review practice, not a guarantee of claim payment. | Confirm in your quote. |
Full Comparison
More Gallagher vs Zurich U.S. Comparisons
Other Fidelity Bonds Comparisons
Sources
Gallagher
- 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.
- Insurance for Technology & IT Businesses. 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.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
