HUB International vs 
Marsh Fidelity Bonds
HUB ProEx lists Crime/Fidelity and financial institution bonds; Marsh treats fidelity as part of commercial crime rather than a separate catalogue line.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 5,6,7,8
What Are Fidelity Bonds?
Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. 11
Key Differences in Fidelity Bonds
Two ProEx Line Items Versus One Crime/Fidelity Label
HUB’s ProEx list names Crime/Fidelity as an executive-liability offering and Financial Institution Bonds as a financial-institutions offering. Marsh does not present a standalone fidelity-bond line on the pages reviewed; it bundles fidelity with commercial crime, and MMA lists commercial crime/fidelity as a single practice item. 4 10 9
Catalogue Versus Loss Description
HUB’s page gives no further description of insuring agreements, dishonest-act scenarios or exclusions. Marsh describes employee white-collar fraud by trusted staff exploiting systems for personal gain, and says those fidelity losses are about half of crime-policy notifications in its data. 4 9
How You Reach the Desk
HUB directs prospects to a ProEx specialist and says that team provides analytics, litigation support and risk-management. Marsh’s reviewed pages send you to a Marsh or MMA crime-and-fidelity specialist because the cover sits with commercial crime. Neither names the issuing insurer or publishes a bond penalty. 4 9 10
What to Confirm in Fidelity Bonds Quotes
- Ask HUB whether you need Crime/Fidelity, a financial institution bond, or both, and which carrier is on the form. 4
- Ask Marsh whether the quote is a crime policy covering employee fidelity or a separate bond. 9 10
- Compare ProEx analytics and litigation support with Marsh’s crime-practice servicing on the same loss. 4 9
- Get limits, retentions and discovery wording from both. 4 9
Offering Details
HUB International vs Marsh Fidelity Bonds: documented features by provider
| Criteria | HUB International Crime and Fidelity Bond Brokerage | Marsh Fidelity Coverage |
|---|---|---|
| Role in This Line | 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. 4Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds. | Marsh does not sell fidelity coverage as a separate product line in the pages reviewed. It bundles fidelity with commercial crime insurance, and MMA lists "commercial crime/fidelity" together as one item in its executive and professional liability practice. 10,9Company-reported. MMA executive and professional liability page and Marsh's commercial crime page. |
| Issuing Insurer | No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23. | The reviewed pages do not name a specific insurer for fidelity or crime/fidelity coverage. 9,10Not publicly disclosed. Commercial crime insurance and MMA executive and professional liability pages as read on 2026-09-23. |
| Who It’s For | No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description. | Not described in the reviewed sources. |
| Coverage Features | HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. 4Company-reported. ProEx page coverage list only; these are catalogue entries, not policy-form descriptions. | Marsh describes employee white-collar fraud, meaning fidelity losses caused by trusted employees who exploit systems for personal gain, as one of the risks a commercial crime policy addresses; it says these losses make up about half of the crime-policy notifications in its data. 9Company-reported. Commercial crime insurance page; a fidelity-specific policy form was not identified as a distinct product from crime coverage. |
| Limits and Retentions | Published bond penalty amounts, limits or retentions were not found on the ProEx page. 4Not publicly disclosed. Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations. | Not described in the reviewed sources. |
| Risk Services | 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. 4Company-reported. ProEx page team and services description; not specific to a single bond placement. | Not described in the reviewed sources. |
| How to Apply | HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. 4Company-reported. ProEx page call to action. | You would engage a Marsh or MMA crime and fidelity specialist directly, since fidelity is placed together with commercial crime rather than through a separate application path in the reviewed pages. 9,10Company-reported. Commercial crime insurance and MMA executive and professional liability pages. |
Full Comparison
More HUB International vs Marsh Comparisons
Other Fidelity Bonds Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- HUB ProEx. 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.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Commercial crime insurance. Marsh; Employee white-collar fraud: Marsh data shows around 50% of crime policy notifications are for employee fidelity losses, involving trusted employees who exploit systems for personal gain. Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
