--- title: "HUB International vs TechInsurance Fidelity Bonds" description: "HUB ProEx places Crime/Fidelity and FI bonds through specialists; TechInsurance quotes first-party, third-party and ERISA bonds online." canonical: "https://spot.insure/compare/hub-international-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/hub-international-vs-techinsurance/fidelity-bonds) # HUB International vs TechInsurance Fidelity Bonds HUB ProEx places Crime/Fidelity and FI bonds through specialists; TechInsurance quotes first-party, third-party and ERISA bonds online. ## Research Scope and Use Use this comparison to evaluate HUB International 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 HUB International lists Crime/Fidelity and Financial Institution Bonds on its ProEx page and directs you to a specialist. TechInsurance’s dedicated fidelity page describes first-party and third-party bonds, ERISA and other variants, example service industries, and a short online application. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ## 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 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. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](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. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") ## Key Differences in Fidelity Bonds ### Executive-Risk Placement Versus Product-Page Variants HUB places crime and fidelity, including financial institution bonds, through ProEx without describing insuring agreements. TechInsurance says the bonds cover employee fraud, theft, forgery and embezzlement against the business or clients, and distinguishes first-party, third-party, employee-dishonesty, business-service, janitorial and ERISA types. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ### How You Apply HUB tells you to contact a ProEx specialist rather than bind online. TechInsurance uses a short online application and says licensed agents can add the bond to a broader package. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ### Issuer Notes, Cost and Extra Services HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them for this line, and offers analytics, litigation support and risk-management. TechInsurance does not name a standard surety but says an ERISA bond must come from a Treasury-authorized surety, and that cost varies with bond amount, type, industry, employee access and credit score. HUB publishes no penalty figures; TechInsurance also does not publish a median premium. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") ## What to Confirm in Fidelity Bonds Quotes - Ask HUB which ProEx product is quoted and which carrier is on the form. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask TechInsurance which variant is quoted and, for ERISA, which Treasury-listed surety issues it. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") - Confirm whether a financial institution bond (HUB’s second listing) is in scope for your entity type. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") - Ask HUB which analytics or litigation-support services attach, which TechInsurance’s page does not describe. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Offering Details | Criteria | HUB International Crime and Fidelity Bond Brokerage | TechInsurance Fidelity Bonds | | --- | --- | --- | | 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..) | 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. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product 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 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. [7](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 | 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..) | 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. [7](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 | 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..) | 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. [7](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 | 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..) | 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. [7](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 | 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 request fidelity bond quotes online through a short application; TechInsurance says its licensed agents can help add fidelity bonds to a broader coverage package. [7](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) | ## Full Comparison - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-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. - [HUB International vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy) - [HUB International vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-auto) - [HUB International vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-property) - [HUB International vs TechInsurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/cyber) - [HUB International vs TechInsurance D&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/directors-officers) - [HUB International vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/employment-practices) - [HUB International vs TechInsurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/general-liability) - [HUB International vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/inland-marine) - [HUB International vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/professional-errors-omissions) - [HUB International vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/technology-errors-omissions) - [HUB International vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/umbrella-excess) - [HUB International vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/workers-compensation) - [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds) - [Beazley vs TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds) - [Coverdash vs HUB International Fidelity Bonds](https://spot.insure/compare/coverdash-vs-hub-international/fidelity-bonds) - [Coverdash vs TechInsurance Fidelity Bonds](https://spot.insure/compare/coverdash-vs-techinsurance/fidelity-bonds) - [Founder Shield vs HUB International Fidelity Bonds](https://spot.insure/compare/foundershield-vs-hub-international/fidelity-bonds) - [Founder Shield vs TechInsurance Fidelity Bonds](https://spot.insure/compare/foundershield-vs-techinsurance/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. ### TechInsurance 5. [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. 6. [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. 7. [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 8. [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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