---
title: "Marsh vs TechInsurance: Fidelity Bonds"
description: "TechInsurance lists first-party, third-party, janitorial and ERISA fidelity bonds and takes a short online application. Marsh includes employee fidelity inside commercial crime and sends you to a crime-and-fidelity specialist."
canonical: "https://spot.insure/compare/marsh-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "marsh-vs-techinsurance"
provider-a: "marsh"
provider-b: "techinsurance"
coverage-line: "fidelity-bonds"
---

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

## Agent Guide

**What this page is:** Focused comparison of Marsh and TechInsurance 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 Marsh versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Marsh vs TechInsurance for Fidelity Bonds: how do they differ?
- Which is better for Fidelity Bonds, Marsh or TechInsurance?
- What does Marsh or TechInsurance publish about Fidelity Bonds (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fidelity Bonds. Providers: Marsh and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance) — all coverage lines for this pair
- [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — how this coverage works
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# Marsh vs TechInsurance: How Do They Compare for Fidelity Bonds?

Marsh bundles fidelity with commercial crime insurance; a Marsh or Marsh McLennan Agency specialist can discuss the combined placement. TechInsurance arranges business fidelity bonds online and describes coverage variations, but does not name the insurer on its reviewed page.

TechInsurance explains named fidelity-bond variants and takes a short online application; Marsh treats employee fidelity as part of commercial-crime placement rather than a standalone bond.

## Marsh vs TechInsurance Fidelity Bonds Summary

TechInsurance lists first-party, third-party, janitorial and ERISA fidelity bonds and takes a short online application. Marsh includes employee fidelity inside commercial crime and sends you to a crime-and-fidelity specialist. [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## What Are the Key Differences Between Marsh and TechInsurance Fidelity Bonds?

### Named Bond Forms Online Versus a Crime Program

Marsh’s reviewed pages do not list a standalone fidelity bond; they treat employee white-collar fraud as a commercial-crime risk, and MMA groups commercial crime/fidelity as one practice item. TechInsurance details first-party and third-party forms, plus employee-dishonesty, business-service, janitorial and ERISA variants, and uses a short online application. For ERISA, TechInsurance says the bond must come from a Treasury-authorized surety. Choose TechInsurance if you want to compare named bond forms online; choose Marsh if you want fidelity considered inside a broader commercial-crime program. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Who Each Firm Says the Cover Is For

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. Marsh’s crime page speaks to employee fraud against the business; TechInsurance also sells third-party bonds meant to protect clients. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Specialist Intake Versus Online Quote and Cost Drivers

You engage a Marsh or MMA crime and fidelity specialist, because the cover sits with commercial crime rather than a separate application path. TechInsurance takes a short online application and says licensed agents can add fidelity bonds to a broader package. Marsh does not name an insurer or publish limits. TechInsurance does not name a surety for a standard bond, and says cost typically follows the total bond amount, then type, industry risk, employee access and credit score. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## What Should You Confirm in Marsh and TechInsurance Fidelity Bonds Quotes?

- Ask Marsh whether you are buying a crime policy, a surety-style fidelity bond, or both. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [2](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. [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Confirm first-party versus third-party intent if clients’ property is in play. [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [1](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. [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## Marsh vs TechInsurance Fidelity Bonds Compared

| Criteria | Marsh Fidelity Coverage | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| 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. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [2](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. [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |
| 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. [1](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. [3](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..) |
| 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. [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [1](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. [3](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |

## About Marsh and TechInsurance and Fidelity Bonds

- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds)

## Related Pages for Marsh vs TechInsurance Fidelity Bonds

- [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 coverage can reimburse certain losses from employee theft; identify whether you need protection for company funds, client property or benefit-plan assets.
- [Marsh Fidelity Bonds](https://spot.insure/insurance-providers/marsh/fidelity-bonds)
- [TechInsurance Fidelity Bonds](https://spot.insure/insurance-providers/techinsurance/fidelity-bonds)

## Sources for Marsh vs TechInsurance Fidelity Bonds

### Sources About Marsh

1. [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.
2. [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.

### Sources About TechInsurance

3. [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.

Updated 2026-09-25. 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/marsh-vs-techinsurance/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)