---
title: "Heffernan Insurance Brokers vs Zurich U.S.: Fidelity Bonds"
description: "Heffernan places employee-dishonesty bonds for home-care agencies and financial-institution bonds for family offices; Zurich offers ERISA tracks for employee benefit plans."
canonical: "https://spot.insure/compare/heffernan-vs-zurich/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "heffernan-vs-zurich"
provider-a: "heffernan"
provider-b: "zurich"
coverage-line: "fidelity-bonds"
---

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

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Zurich U.S. 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 Heffernan Insurance Brokers versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs Zurich U.S. for Fidelity Bonds: how do they differ?
- Which is better for Fidelity Bonds, Heffernan Insurance Brokers or Zurich U.S.?
- What does Heffernan Insurance Brokers or Zurich U.S. publish about Fidelity Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fidelity Bonds from Heffernan Insurance Brokers or Zurich U.S.?

**Key facts:**
- Line: Fidelity Bonds. Providers: Heffernan Insurance Brokers and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Heffernan Insurance Brokers vs Zurich U.S.](https://spot.insure/compare/heffernan-vs-zurich) — parent: all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Heffernan Insurance Brokers vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Crime Insurance](https://spot.insure/compare/heffernan-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/heffernan-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Heffernan Insurance Brokers vs Zurich U.S. Surety Bonds](https://spot.insure/compare/heffernan-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/aig-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/baldwin-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/beazley-vs-heffernan/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)

# Heffernan Insurance Brokers vs Zurich U.S.: How Do They Compare for Fidelity Bonds?

Heffernan places employee-dishonesty bonds for home-care agencies and financial-institution bonds for family offices; Zurich offers ERISA tracks for employee benefit plans.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Zurich U.S. 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

Heffernan names bond routes for home-care and financial firms; Zurich structures ERISA bonds by benefit-plan complexity. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance")

## What Is Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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. [7](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [8](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [12](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions")

## Key Differences in Fidelity Bonds

### Buyer and bond type
Heffernan arranges an Employee Dishonesty Bond for home-care agencies and a fidelity or financial-institution bond for family offices and financial firms. Zurich’s Express and Select products are ERISA fidelity bonds for benefit plans: Express addresses one straightforward plan and Select multiple or complex plans. A home-care agency or family office should ask Heffernan which bond meets its contractual or operational need; a plan sponsor can compare Zurich’s tracks to the plan’s structure. The names alone do not establish matching coverage triggers. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance")

### Coverage details to request
Heffernan’s reviewed pages identify the products and audiences but do not describe their insuring agreements, exclusions, or claim triggers. Zurich says its ERISA bond covers direct loss of money, securities, or property caused by employee fraud or dishonesty and may include designated agents or independent contractors in its employee definition. Buyers therefore have more specific covered-loss information in Zurich’s record, while a Heffernan placement requires the proposed form to answer those questions. [5](https://www.heffins.com/family-office/ "Family Office") [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance")

## What to Confirm in Fidelity Bonds Quotes

- Ask Heffernan for the covered loss triggers, named insureds, exclusions, and whether a home-care employee or financial-firm role fits. [5](https://www.heffins.com/family-office/ "Family Office")
- Ask Zurich whether your plan qualifies for Express or Select and how contractors are treated in the employee definition. [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance")

## Offering Details

| Criteria | Heffernan Employee Dishonesty / Fidelity Bonds | Zurich ERISA Fidelity Bond |
| --- | --- | --- |
| Role in This Line | Heffernan arranges fidelity-type bonds as one line within two specialty practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms. It places these bonds with insurers rather than issuing them itself. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Home Care and Family Office practice-page listings; no dedicated fidelity-bond product page was found..) | Confirm in your quote. |
| Issuing Insurer | The reviewed pages do not name the insurer or bond underwriter for either the home-care Employee Dishonesty Bond or the family-office fidelity bond. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Home Care and Family Office pages as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Heffernan lists fidelity-type bonds for two named buyer segments: home care, home health, and hospice agencies, and family offices, trustees, financial advisors, private equity firms, and foundations. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or other eligibility criteria for the bond specifically were published..) | 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. [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: 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 | Heffernan uses two different bond product names for its two client segments: "Employee Dishonesty Bond" for home-care agencies and "Fidelity/financial institution bond" for family offices and financial firms. Neither page describes the bond's insuring agreement, exclusions, or claim triggers. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Home Care and Family Office pages as read on 2026-09-23..) | 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. [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Subject to definitions in the issued bond..) |
| Limits and Retentions | Neither the home-care nor the family-office page publishes a bond penalty amount, limit, or deductible for the fidelity coverage. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Home Care and Family Office pages as read on 2026-09-23..) | 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. [9](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: 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 | Heffernan's published claims-advocacy services list workers' compensation, general liability, auto, and property claims support; fidelity or crime-bond claims handling is not described on that page. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: Claims Advocacy page as read on 2026-09-23; does not establish that fidelity-bond claims receive no support, only that this page does not describe it..) | Confirm in your quote. |

## Full Comparison

- [Heffernan Insurance Brokers vs Zurich U.S.](https://spot.insure/compare/heffernan-vs-zurich): 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.
- [Heffernan Insurance Brokers vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-zurich/builders-risk)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-auto)
- [Heffernan Insurance Brokers vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-zurich/commercial-property)
- [Heffernan Insurance Brokers vs Zurich U.S. Crime Insurance](https://spot.insure/compare/heffernan-vs-zurich/crime)
- [Heffernan Insurance Brokers vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/heffernan-vs-zurich/cyber)
- [Heffernan Insurance Brokers vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/employment-practices)
- [Heffernan Insurance Brokers vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-zurich/fiduciary)
- [Heffernan Insurance Brokers vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-zurich/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Zurich U.S. Surety Bonds](https://spot.insure/compare/heffernan-vs-zurich/surety-bonds)
- [AIG vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/aig-vs-heffernan/fidelity-bonds)
- [AIG vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds)
- [The Baldwin Group vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/baldwin-vs-heffernan/fidelity-bonds)
- [The Baldwin Group vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds)
- [Beazley vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/beazley-vs-heffernan/fidelity-bonds)
- [Beazley vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
4. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: ... Crime - Third Party Theft, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more. Accessed 2026-09-23.
5. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: ... Trustee liability insurance, Property and auto insurance, Fiduciary liability insurance, Fidelity/financial institution bond, Cyber liability insurance, Crime insurance, General liability insurance. Accessed 2026-09-23.
6. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.

### Zurich U.S.

7. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
8. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
9. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.

### Fidelity Bonds Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
11. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
12. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.

Updated 2026-09-30. 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.

## Heffernan Insurance Brokers Reviews

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-zurich/fidelity-bonds.md)
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