Say whose money you need to protect
Share whether the exposure is company funds, client property or benefit-plan assets, plus the bond quotes you have.
Juniper ConsultingOrganized by Spot
Compare Fidelity Bond Quotes
Compare fidelity bond quotes with Spot
Fidelity quotes differ on whose dishonesty they cover and when a loss must be found, so Spot lines up those terms for you.
Compare quotes from 15+ fidelity bond providers
- Covered people defined the same way across quotes
- Discovery, reporting and replacement terms flagged
- Keep your broker or switch, with no commissions on premiums
How it works
We define who is covered
Spot checks how each quote treats employees, temporary workers and contractors, and which property and entities it insures.
Fidelity bonds
Juniper Consulting · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Ask about timing
If you’re replacing a bond, your Spot team checks when a loss must happen or be discovered, and when you must report it.
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Can you help compare our fidelity bonds options?
Let’s prepare the information for your broker and compare the terms, not just the price.
Fidelity bonds policy
Coverage terms · Limits
Choose and bind
Select the quote that covers the people and property you actually handle. Your Spot team helps you bind and files the bond with your other coverage.
Insurance documents
Quote comparisonFidelity bonds
Coverage limits · Policy terms
Juniper Consulting
What to compare
- 01
People included
How the quote defines covered people, including temporary workers or contractors who matter to you.
- 02
Limit per loss
The most payable for a single loss, compared with your exposure.
- 03
Overall limit
Any total cap across losses in the period, set beside the limit that applies to each loss.
- 04
Deductible or retention
What you bear on each loss, which can change what a smaller theft is worth.
- 05
Property and entities
Whether the quote reaches company funds, client property or benefit-plan assets, and which entities.
- 06
Discovery and reporting
When a loss must happen or be discovered and when you must report it.
- 07
Direct loss versus consequences
Whether only the property loss is addressed or also the costs and business losses that follow.
Differences to watch for
- 01
Contractors left outside the definition
Someone handling your money may not count as an employee under the quote.
- 02
Timing gaps when replacing a bond
Discovery and reporting terms from two policies can leave a loss between them.
- 03
Consequential costs
A bond may pay the stolen property but not the costs that follow.
- 04
Fidelity is not fiduciary
Dishonest handling of plan assets and a fiduciary-breach claim are different exposures.
Providers your broker can approach
Compare quotes from 15+ fidelity bond providers.
- AIG
- Beazley
- CNA
- Coverdash
- Founder Shield
- Gallagher
- Heffernan Insurance Brokers
- And many more
Common questions
What is the difference between a fidelity bond and a surety bond?
A fidelity bond addresses dishonest acts by people. A surety bond guarantees an obligation to another party.
Do I need fiduciary liability too?
Possibly. It addresses alleged breaches of plan duties, not dishonest acts. Spot shows how they differ.
Does Spot work with my broker?
Yes. Spot is built to work with brokers and takes no commissions on premiums, so you can keep yours or choose another.
What do insurers ask about?
The entities and locations, employee information, the property at risk, loss history and how you control money and inventory.
Related
Get insurance off your to-do list.
Fidelity quotes differ on whose dishonesty they cover and when a loss must be found, so Spot lines up those terms for you.
Get StartedLearn more before you compare quotes
Read these before you choose a policy or an insurer.
