--- title: "Zurich U.S. Fidelity Bonds" description: "Zurich U.S. offers ERISA fidelity bonds, with Express for a single non-union plan and Select for multiple or complex plans." canonical: "https://spot.insure/insurance-providers/zurich/fidelity-bonds" page-type: "offering-page" updated-at: "2026-09-29" provider: "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/insurance-providers/zurich/fidelity-bonds) ## Agent Guide **What this page is:** What Zurich U.S. Fidelity Bonds covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Zurich U.S. Fidelity Bonds specifically. For the general coverage explainer use /coverage/fidelity-bonds; for the provider overall use its profile. **Questions this page answers:** - Does Zurich U.S. Fidelity Bonds offer this coverage? - What does Zurich U.S. Fidelity Bonds cover and exclude? - Who is Zurich U.S. Fidelity Bonds designed for? **Key facts:** - Provider slug `zurich`; coverage line `fidelity-bonds`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-29. **Related pages:** - [Provider profile](https://spot.insure/insurance-providers/zurich) — parent: provider profile # What Does Fidelity Bonds from Zurich U.S. Cover? Product: Zurich ERISA Fidelity Bond. Provider: Zurich U.S.. Coverage line: Fidelity Bonds. ## Quick Answer Zurich U.S. offers ERISA fidelity bonds, with Express for a single non-union plan and Select for multiple or complex plans. [1](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") ## Zurich U.S. Fidelity Bonds at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | ## Who Is Zurich U.S. Fidelity Bonds For? - 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. [1](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.) ## What Coverage Features Does Zurich U.S. Fidelity Bonds Include? - 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. [1](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.) ## What Limits and Retentions Does Zurich U.S. Fidelity Bonds Have? - 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. [1](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.) ## Zurich U.S. Fidelity Bonds Compared With Other Providers - [Zurich U.S. vs AIG](https://spot.insure/compare/aig-vs-zurich/fidelity-bonds) - [Zurich U.S. vs The Baldwin Group](https://spot.insure/compare/baldwin-vs-zurich/fidelity-bonds) - [Zurich U.S. vs Beazley](https://spot.insure/compare/beazley-vs-zurich/fidelity-bonds) - [Zurich U.S. vs CNA](https://spot.insure/compare/cna-vs-zurich/fidelity-bonds) - [Zurich U.S. vs Coverdash](https://spot.insure/compare/coverdash-vs-zurich/fidelity-bonds) - [Zurich U.S. vs Founder Shield](https://spot.insure/compare/foundershield-vs-zurich/fidelity-bonds) ## Other Coverage Lines Documented for Zurich U.S. - [Zurich U.S. Builders Risk Insurance](https://spot.insure/insurance-providers/zurich/builders-risk) - [Zurich U.S. Commercial Auto Insurance](https://spot.insure/insurance-providers/zurich/commercial-auto) - [Zurich U.S. Commercial Property Insurance](https://spot.insure/insurance-providers/zurich/commercial-property) - [Zurich U.S. Crime Insurance](https://spot.insure/insurance-providers/zurich/crime) - [Zurich U.S. Cyber Insurance](https://spot.insure/insurance-providers/zurich/cyber) - [Zurich U.S. D&O Insurance](https://spot.insure/insurance-providers/zurich/directors-officers) - [Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/insurance-providers/zurich/employment-practices) - [Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/insurance-providers/zurich/fiduciary) - [Zurich U.S. General Liability Insurance](https://spot.insure/insurance-providers/zurich/general-liability) - [Zurich U.S. Inland Marine Insurance](https://spot.insure/insurance-providers/zurich/inland-marine) - [Zurich U.S. Management Liability Insurance](https://spot.insure/insurance-providers/zurich/management-liability) - [Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/zurich/professional-errors-omissions) - [Zurich U.S. Surety Bonds](https://spot.insure/insurance-providers/zurich/surety-bonds) - [Zurich U.S. Tech E&O Insurance](https://spot.insure/insurance-providers/zurich/technology-errors-omissions) - [Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/zurich/umbrella-excess) - [Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/insurance-providers/zurich/workers-compensation) ## Related Pages for Zurich U.S. Fidelity Bonds - [Zurich U.S. Profile](https://spot.insure/insurance-providers/zurich) - [Zurich U.S. Reliability](https://spot.insure/insurance-providers/zurich/reliability) - [Zurich U.S. Alternatives](https://spot.insure/insurance-providers/zurich/alternatives) - [Coverage Guide: Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) ## Sources for Zurich U.S. Fidelity Bonds 1. [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. ## How to Cite Zurich U.S. Fidelity Bonds Zurich U.S. Fidelity Bonds: Coverage, Eligibility & Limits (2026). Spot, updated 2026-09-29. https://spot.insure/insurance-providers/zurich/fidelity-bonds. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/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)