--- title: "TechInsurance vs Zurich U.S.: Fidelity Bonds" description: "TechInsurance describes first-party, client, and ERISA fidelity bond variants for employee fraud; Zurich offers ERISA tracks for single or complex plans." canonical: "https://spot.insure/compare/techinsurance-vs-zurich/fidelity-bonds" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "techinsurance-vs-zurich" provider-a: "techinsurance" provider-b: "zurich" coverage-line: "fidelity-bonds" --- 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/techinsurance-vs-zurich/fidelity-bonds) ## Agent Guide **What this page is:** Focused comparison of TechInsurance and Zurich U.S. 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 TechInsurance versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - TechInsurance vs Zurich U.S. for Fidelity Bonds: how do they differ? - Which is better for Fidelity Bonds, TechInsurance or Zurich U.S.? - What does TechInsurance or Zurich U.S. publish about Fidelity Bonds (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fidelity Bonds from TechInsurance or Zurich U.S.? **Key facts:** - Line: Fidelity Bonds. Providers: TechInsurance and Zurich U.S.. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [TechInsurance vs Zurich U.S.](https://spot.insure/compare/techinsurance-vs-zurich) — parent: all coverage lines for this pair - [Fidelity Bonds guide](https://spot.insure/coverage/fidelity-bonds) — coverage explainer for this line - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [TechInsurance vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/techinsurance-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. D&O Insurance](https://spot.insure/compare/techinsurance-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [TechInsurance vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs TechInsurance Fidelity Bonds](https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs TechInsurance Fidelity Bonds](https://spot.insure/compare/baldwin-vs-techinsurance/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Beazley vs TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Beazley vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) # TechInsurance vs Zurich U.S.: How Do They Compare for Fidelity Bonds? TechInsurance describes first-party, client, and ERISA fidelity bond variants for employee fraud; Zurich offers ERISA tracks for single or complex plans. ## Research Scope and Use Use this comparison to evaluate TechInsurance and Zurich U.S. 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 TechInsurance distinguishes business and client fidelity bonds and ERISA bonds; Zurich separates straightforward single plans from complex or multiple plans. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## What Is TechInsurance? TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [1](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [3](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Are Fidelity Bonds? Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") ## Key Differences in Fidelity Bonds ### Bond variants and covered loss TechInsurance describes first-party bonds protecting the business, third-party bonds protecting clients, and ERISA bonds, alongside coverage for employee fraud, theft, forgery, and embezzlement. Zurich’s offering focuses on ERISA: its bond covers direct loss of money, securities, or property caused by employee fraud or dishonesty and may include designated agents or contractors. A business choosing TechInsurance should identify whether it needs protection for its own funds, client property, or a benefit plan; Zurich’s tracks address the ERISA plan use case. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ### Application and plan complexity TechInsurance offers an online quote application, with licensed agents available to help add fidelity coverage to a broader package. Zurich offers Express for a single straightforward non-union plan and Select for multiple or complex plans with higher limits. TechInsurance’s digital path may help businesses compare bond types; plan sponsors should ask Zurich which tier accommodates their plan count and whether the selected limit meets the statutory need. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## What to Confirm in Fidelity Bonds Quotes - Ask TechInsurance which bond type protects your funds or clients and which Treasury-authorized surety issues an ERISA bond. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") - Ask Zurich whether Express or Select applies and whether all people handling plan assets are included. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## Offering Details | Criteria | TechInsurance Fidelity Bonds | Zurich ERISA Fidelity Bond | | --- | --- | --- | | Role in This Line | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) | Confirm in your quote. | | Issuing Insurer | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page as read on 2026-09-23..) | Confirm in your quote. | | Who It’s For | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, Who should get fidelity bonds? section..) | Zurich offers Express ERISA bonds for a single non-union plan with straightforward needs (fraud/dishonesty limits up to $1 million) and Select for multiple or complex plans with higher limits and optional coverages. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Available for approved states; quoted limit and specific coverages depend on qualification..) | | Coverage Features | 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. [4](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..) | Zurich says its ERISA fidelity bond covers direct loss of money, securities or property caused by employee fraud or dishonest acts, and may include designated agents/independent contractors in its employee definition. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Subject to definitions in the issued bond..) | | Limits and Retentions | 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. [4](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..) | The Express option offers fraud/dishonesty limits up to $1 million; Zurich says Select provides higher limits and added coverage flexibility for complex or multiple plans. [7](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. No numerical Select maximum appears in the opened page..) | | How to Apply | 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. [4](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) | Confirm in your quote. | ## Full Comparison - [TechInsurance vs Zurich U.S.](https://spot.insure/compare/techinsurance-vs-zurich): 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. - [TechInsurance vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-auto) - [TechInsurance vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-zurich/commercial-property) - [TechInsurance vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/techinsurance-vs-zurich/cyber) - [TechInsurance vs Zurich U.S. D&O Insurance](https://spot.insure/compare/techinsurance-vs-zurich/directors-officers) - [TechInsurance vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-zurich/employment-practices) - [TechInsurance vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-zurich/professional-errors-omissions) - [AIG vs TechInsurance Fidelity Bonds](https://spot.insure/compare/aig-vs-techinsurance/fidelity-bonds) - [AIG vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds) - [The Baldwin Group vs TechInsurance Fidelity Bonds](https://spot.insure/compare/baldwin-vs-techinsurance/fidelity-bonds) - [The Baldwin Group vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds) - [Beazley vs TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds) - [Beazley vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds) ## Sources ### TechInsurance 1. [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. 2. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 3. [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. 4. [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. ### Zurich U.S. 5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 7. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28. ### 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. 9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16. 10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16. Updated 2026-09-30. 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. ## TechInsurance Reviews Review Score: 9.1 / 10 from 2 rated sources, equally weighted. TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling. - Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com) - ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews). ## Zurich U.S. Reviews Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/techinsurance-vs-zurich/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)