---
title: "Marsh vs TechInsurance Fidelity Bonds"
description: "Marsh folds employee fidelity into commercial crime; TechInsurance sells first-party, third-party and ERISA fidelity bonds through an online application."
canonical: "https://spot.insure/compare/marsh-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Marsh vs TechInsurance Fidelity Bonds

Marsh folds employee fidelity into commercial crime; TechInsurance sells first-party, third-party and ERISA fidelity bonds through an online application.

## Research Scope and Use

Use this comparison to evaluate Marsh 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

Marsh’s reviewed pages treat fidelity as part of commercial crime, with MMA listing commercial crime/fidelity as one item. TechInsurance’s dedicated page lists first-party and third-party bonds, ERISA and other variants, and takes a short online application; ERISA bonds must come from a Treasury-authorized surety. [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## 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. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [7](https://www.techinsurance.com/about-us "About TechInsurance") [8](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. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Fidelity Bonds

### Crime Policy Language Versus Named Bond Types

Marsh does not present a standalone fidelity-bond product on the pages reviewed; it describes employee white-collar fraud inside commercial crime and MMA lists commercial crime/fidelity together. [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Stated Buyers

Marsh’s reviewed pages do not publish fidelity-specific eligibility. TechInsurance aims the product at businesses whose employees handle sensitive financial information or unsupervised client property, naming examples such as web hosting, project management, cleaning, healthcare and security-guard companies. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## What to Confirm in Fidelity Bonds Quotes

- Ask Marsh whether you are buying a crime policy, a surety-style fidelity bond, or both. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")
- Ask TechInsurance which variant is on the quote and, for ERISA, which Treasury-listed surety issues it. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Confirm first-party versus third-party intent if clients’ property is in play. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Compare retentions and whether the bonding company can seek repayment from the dishonest employee, which TechInsurance notes as a surety feature. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## Offering Details

| Criteria | Marsh Fidelity Coverage | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| Role in This Line | 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. [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [5](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..) | 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. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| Issuing Insurer | The reviewed pages do not name a specific insurer for fidelity or crime/fidelity coverage. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [6](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..) | 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. [9](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 | Not described in the reviewed sources. | 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. [9](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 | 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. [5](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..) | 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. [9](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 | Not described in the reviewed sources. | 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. [9](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..) |
| How to Apply | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [6](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..) | 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. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |

## Full Comparison

- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-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.
- [Marsh vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/marsh-vs-techinsurance/commercial-property)
- [Marsh vs TechInsurance Cyber Insurance](https://spot.insure/compare/marsh-vs-techinsurance/cyber)
- [Marsh vs TechInsurance D&O Insurance](https://spot.insure/compare/marsh-vs-techinsurance/directors-officers)
- [Marsh vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-techinsurance/employment-practices)
- [Marsh vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-techinsurance/professional-errors-omissions)
- [Marsh vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/marsh-vs-techinsurance/technology-errors-omissions)
- [Marsh vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-techinsurance/workers-compensation)
- [Beazley vs Marsh Fidelity Bonds](https://spot.insure/compare/beazley-vs-marsh/fidelity-bonds)
- [Beazley vs TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds)
- [Coverdash vs Marsh Fidelity Bonds](https://spot.insure/compare/coverdash-vs-marsh/fidelity-bonds)
- [Coverdash vs TechInsurance Fidelity Bonds](https://spot.insure/compare/coverdash-vs-techinsurance/fidelity-bonds)
- [Founder Shield vs Marsh Fidelity Bonds](https://spot.insure/compare/foundershield-vs-marsh/fidelity-bonds)
- [Founder Shield vs TechInsurance Fidelity Bonds](https://spot.insure/compare/foundershield-vs-techinsurance/fidelity-bonds)

## Sources

### Marsh

1. [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.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.

### TechInsurance

7. [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.
8. [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.
9. [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

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.

Updated 2026-09-24. 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.

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