--- title: "HUB International vs Marsh Fidelity Bonds" description: "HUB ProEx lists Crime/Fidelity and financial institution bonds; Marsh treats fidelity as part of commercial crime rather than a separate catalogue line." canonical: "https://spot.insure/compare/hub-international-vs-marsh/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/hub-international-vs-marsh/fidelity-bonds) # 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. ## Research Scope and Use Use this comparison to evaluate HUB International and Marsh 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 HUB International places Crime/Fidelity and Financial Institution Bonds through ProEx, with analytics and litigation support. Marsh’s reviewed pages do not sell fidelity as its own product; MMA lists commercial crime/fidelity together, and Marsh describes employee fidelity losses inside commercial crime. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [Marsh profile](https://spot.insure/insurance-providers/marsh) ## What Are Fidelity Bonds? Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [11](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") ## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") ## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask Marsh whether the quote is a crime policy covering employee fidelity or a separate bond. [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") - Compare ProEx analytics and litigation support with Marsh’s crime-practice servicing on the same loss. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") - Get limits, retentions and discovery wording from both. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ## Offering Details | 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. [4](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..) | 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](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) | The reviewed pages do not name a specific insurer for fidelity or crime/fidelity coverage. [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: 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. [4](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..) | 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Commercial crime insurance and MMA executive and professional liability pages..) | ## Full Comparison - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh): 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. - [HUB International vs Marsh Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh/builders-risk) - [HUB International vs Marsh Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh/commercial-property) - [HUB International vs Marsh Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh/crime) - [HUB International vs Marsh Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh/cyber) - [HUB International vs Marsh D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/directors-officers) - [HUB International vs Marsh Employee Health Benefits](https://spot.insure/compare/hub-international-vs-marsh/employee-health-benefits) - [HUB International vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/employment-practices) - [HUB International vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-marsh/equipment-breakdown) - [HUB International vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/fiduciary) - [HUB International vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh/kidnap-ransom) - [HUB International vs Marsh Management Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/management-liability) - [HUB International vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-marsh/professional-errors-omissions) - [HUB International vs Marsh Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh/surety-bonds) - [HUB International vs Marsh Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/technology-errors-omissions) - [HUB International vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-marsh/workers-compensation) - [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds) - [Beazley vs Marsh Fidelity Bonds](https://spot.insure/compare/beazley-vs-marsh/fidelity-bonds) - [Coverdash vs HUB International Fidelity Bonds](https://spot.insure/compare/coverdash-vs-hub-international/fidelity-bonds) - [Coverdash vs Marsh Fidelity Bonds](https://spot.insure/compare/coverdash-vs-marsh/fidelity-bonds) - [Founder Shield vs HUB International Fidelity Bonds](https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds) - [Founder Shield vs Marsh Fidelity Bonds](https://spot.insure/compare/foundershield-vs-marsh/fidelity-bonds) ## Sources ### HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [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. ### Marsh 5. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). 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. 6. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). 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. 7. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 8. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16. 9. [Commercial crime insurance](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html). 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. 10. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). 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 11. [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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-marsh/fidelity-bonds.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)