Crime (Fidelity/ERISA Bonds)

Who We Serve

  • We are an industry leader providing Crime/Fidelity coverage for small to midsize businesses, financial institutions and public entities.

Our Appetite

  • Private companies offering Non Union Pension/Retirement/Welfare Plans 
  • Condominium/Co-op/Homeowners’ Associations
  • Business Services Firms
  • Computer/Data Processing Companies
  • Collegiate/Patriotic/Veteran Organizations
  • Charitable Organizations
  • Real Estate Owners/Developers
  • Manufacturing
ERISA Bonds
To meet the need for ERISA (Employee Retirement Income Security Act) fidelity bonds among small to midsize business owners, we offer:
 
Stand-Alone Fidelity Coverage – Although ERISA coverage is often added to a company’s standard crime policy, The Hartford offers a streamlined fidelity bond specifically for this purpose. In the event of an embezzlement involving both company assets and employee benefit plan assets, the employee benefit plan must be repaid first. Because this has the potential to exceed coverage limits, to ensure company operations can be made whole, consider adding this stand-alone coverage.
 
Clear Language – Our ERISA Fidelity Bond incorporates the terminology “funds or other property” and ”fraud or dishonesty” directly from the statute, and provides automatic coverage for ERISA employee welfare or pension benefit plans of the sponsoring company, without having to name each plan. By using language directly from the law, our bond helps provide the broad coverage your business clients need for compliance with ERISA standards.
 

Applications

For customers in need of coverage limits greater than $3 million, we can help you tailor a solution.
 
Use the Find a HFP Underwriter box on this page.
Crime/Fidelity Coverage (Limits Up to $1 million)
The Hartford’s CrimeSHIELDSM Advanced Policy can help protect property from losses due to employee theft. We provide an all-in-one comprehensive policy that addresses a wide range of customer fidelity and crime needs.

Coverage Includes:
 
  • Employee Theft
  • Employee Theft – Client Premises
  • Computer and Funds Transfer Fraud
  • Inside the Premises – money, securities, and other property
  • Outside the Premises – money, securities and other property
  • Depositors Forgery or Alteration
  • Credit, Debit or Charge Card Forgery
  • Money Orders and Counterfeit Currency
  • Investigative Expenses
  • Computer Systems Restoration Expenses
     

Applications

Supplemental Applications

Crime/Fidelity Coverage (Limits Over $1 million)

Financial Institution Bonds

Target: We have a strong focus on registered investment advisers/asset managers. We can provide both ERISA compliance coverage (protecting ERISA client assets) and first party coverage (protecting registered investment advisor assets) for this financial services class. We also target insurance companies, mutual funds, private equity firms/funds and venture capital firms. Banks and thrifts can also be considered.
 
Our financial institution bonds are proprietary The Hartford forms with many coverage enhancements available by rider. Our offering includes:
 
  • The Hartford CrimeSHIELDSM Advanced policy can be endorsed to cover the investment adviser’s ERISA and non-ERISA plan clients for theft of plan assets by the investment adviser employees. Investment advisers that assist ERISA plan trustees (their clients) with investment strategies are considered “fiduciaries” that must be bonded
  • Financial institution bond for investment companies
  • Financial institution bond for insurance companies
  • Investment company bond (for writing mutual fund compliance coverage)
  • Financial institution bond for Banks
  • Financial institution bond for non-bank lenders (for use with finance companies and non-bank lenders)
     

New Business Applications

Renewal Applications

Supplemental Applications

 

Private Choice Encore® for Healthcare Organizations

Target: Healthcare organizations providing services in both the outpatient and inpatient settings.

In keeping pace with today's complex healthcare environment, healthcare organizations of all kinds face significant exposures related to management liability. The Hartford is a leader in providing management liability coverage and understands the nuances and risks inherent in today’s legal environment for outpatient and inpatient healthcare service providers. From employment-related lawsuits to employee theft and everyday management decisions – as well as navigating today’s rapidly changing healthcare business landscape – healthcare organizations need an industry-specific product to contain their organizational liability.

Designed to meet the unique needs of a broad range of private healthcare organizations, Private Choice Encore for Healthcare Organizations can include the following coverage in one package policy form:
 

Policy features

  • Flexibility to select up to five coverage parts
  • Purchase a separate limit of liability for each liability coverage part or a single aggregate limit for all liability coverage parts
  • Select different limits for each coverage part

New Business Applications

Renewal Applications

Forms

Marketing Materials

Private Choice PremierSM

Target: Most classes of privately-held, for-profit companies (excluding, e.g., financial services) will qualify for one or more coverage parts.

Even valued and trusted employees can be susceptible to misappropriation of company funds, especially during times of increased economic and social stress. To help protect against loss resulting from theft, The Hartford offers crime coverage as part of Private Choice PremierSM – a modular product with up to five coverage parts:
 

Flexible coverage that works with business exposures and needs:
 

  • Flexibility to select up to five coverage parts
  • Purchase a separate limit of liability for each liability coverage part or a single aggregate limit for all liability coverage parts
  • Select different limits for each coverage part

New Business Applications

Supplemental Applications

Forms

Marketing Materials

Private Choice PremierSM for Nonprofit Organizations

*Effective 4/1/17
 
Target: A broad range of not for profit organizations (excluding, e.g., healthcare, condo/HOA and churches) will qualify for one or more coverage parts.
 
Nonprofit organizations are not sheltered from management liability exposures. No matter the precautions taken there's risk inherent in everyday operations. To help address this risk, The Hartford offers a modular product with up to five coverage parts as part of Private Choice Premier:SM
 

New Business Applications

 

Renewal Applications

Renewal Application for CrimeSHIELD Advanced

Supplemental Applications

 

Forms

Marketing Materials

CrimeSHIELD AdvancedSM

Target: A wide variety of publicly-traded companies. Third-party crime coverage for clients can also be written on either a contract specific or blanket basis.
 
Preservation of property is a matter of survival for any business and the fact is – businesses lose billions of dollars each year through employee theft. Today, with the rapid growth of white collar crime and the widespread misuse of computer systems, businesses face many threats to solvency. Help protect your clients’ businesses from loss of corporate money, securities or other property due to crimes including employee dishonesty, forgery, robbery and wire transfer fraud with stand-alone crime (fidelity) insurance from The Hartford.
 
The Hartford’s proprietary form provides comprehensive crime coverage for commercial, nonprofit and governmental entities by incorporating multiple insuring agreements into one policy:
 
  • Eleven (11) available insuring agreements all in one policy
  • Broad appetite for classes of business

New Business Applications

Renewal Applications

 

Supplemental Applications

 

Forms

Marketing Materials

The Hartford Premier ExcessSM Policy

Target: Public and private organizations of all sizes
 
In today's challenging environment, seamless excess coverage is particularly important for managing enterprise, legal and regulatory risks. The Hartford’s new simple, follow form Premier ExcessSM Policy provides market-leading protection to help streamline your process for placing excess coverage over most management and professional liability products, including:
 
 
Policy highlights include:

  • A concise one-sentence follow form insuring agreement;
  • Streamlined exhaustion wording; and
  • Less excess baggage, with a limited number of provisions;
  • User-friendly form saves you time and helps streamline your process
  • Excess Crime (Fidelity) coverage is available through The Hartford Universal Excess® Simplified Policy.
As an added benefit, this coverage is underwritten by the same knowledgeable underwriter who would handle the primary coverage.
 

Forms

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The National Surety and Fidelity Office (NSFO) is your countrywide quick turnaround source for transactional Crime, ERISA, Commercial Surety business.
1-888-656-0817
 

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