What type of coverage do you need?
Select the category that best describes your business needs.
Clients prefer hiring businesses that are "Bonded & Insured." Get your Proof of Fidelity certificate instantly via email.
Why do I need a Fidelity Bond?
Standard business insurance (General Liability) usually excludes theft committed by your employees. A Fidelity Bond fills this gap, protecting you if an employee steals money, equipment, or supplies from you or your client.
- Business Service Bond: Protects your customers (Third-Party).
- Employee Dishonesty: Protects your own business (First-Party).
How many employees do you have?
Rates are based on the number of people with access to funds/property.
5 or Less
Perfect for small cleaning crews or local contractors.
6 - 25 Employees
Standard commercial rate packages available.
26+ Employees
Enterprise coverage for large organizations.
Is credit score a factor?
Rarely. Unlike other surety bonds, Fidelity Bonds for small businesses often do not require a credit check. We can issue standard limits (under $100k) instantly based on your business type and employee count alone.
How much coverage do you need?
This is the max amount the bond will pay if an employee steals.
Note: Pricing is very affordable. A $10,000 bond often costs as little as $125 per year depending on your number of employees.
Need other business insurance?
Most businesses bundle these to save money.
How does a Fidelity Bond actually work?
Fidelity Bonds are often called "Honesty Insurance." While standard insurance protects you from accidents, Fidelity Bonds protect you from **intentional acts of theft** by your employees.
There are two main types you should understand:
Coverage Types:
- Third-Party: aka "Janitorial Bond." Pays your client if your employee steals from them.
- First-Party: aka "Employee Dishonesty." Pays YOU if an employee steals from your register or bank.
- ERISA: Protects employee 401k/Pension plans from trustee theft.
How much does a Fidelity Bond cost?
Pricing is generally based on the number of employees and the coverage amount. Here are typical rates for a small business:
$10,000 Limit
Per Year
Ideal for small cleaning crews or handymen needing to show "Proof of Bonding" to get a job.
$25,000 Limit
Per Year
Covers 5 employees or less. The most common requirement for commercial janitorial contracts.
$100,000 Limit
Per Year
For larger teams or businesses handling high-value client assets or expensive equipment.