# Top 401(k) ERSIA Bond Providers
Source: https://planprovider.pro/erisa-bonds/401k

> Ensure your retirement plan is fully compliant with Department of Labor regulations by securing the required ERISA Fidelity Bond. Every 401(k) plan must carry a bond to protect plan assets from fraud and dishonesty. Browse our directory of approved surety providers to find instant bonding solutions that satisfy the 10% coverage rule and protect your business from fiduciary liability.

Ensure your retirement plan is fully compliant with Department of Labor regulations by securing the required ERISA Fidelity Bond. Every 401(k) plan must carry a bond to protect plan assets from fraud and dishonesty. Browse our directory of approved surety providers to find instant bonding solutions that satisfy the 10% coverage rule and protect your business from fiduciary liability.

Browse 15 providers in this category.

## Providers

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### [Colonial Surety Company](https://planprovider.pro/provider/colonial-surety-company)

ERISA Bond Provider • Pro Score 3.1 • Preferred

Woodcliff Lake, NJ

**Company:** Est. 1930 • 54 employees

[View Profile](https://planprovider.pro/provider/colonial-surety-company)

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### [Berkshire Hathaway Specialty](https://planprovider.pro/provider/berkshire-hathaway-specialty)

ERISA Bond Provider • Pro Score 2.7

Boston, MA

**Company:** Est. 2013

[View Profile](https://planprovider.pro/provider/berkshire-hathaway-specialty)

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### [Chubb](https://planprovider.pro/provider/chubb)

ERISA Bond Provider

Whitehouse Station, NJ

**Company:** Est. 1882

[View Profile](https://planprovider.pro/provider/chubb)

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### [CNA Surety](https://planprovider.pro/provider/cna-surety)

ERISA Bond Provider

Sioux Falls, SD

**Company:** Est. 1897

[View Profile](https://planprovider.pro/provider/cna-surety)

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### [Great American Insurance Group](https://planprovider.pro/provider/great-american-insurance-group)

ERISA Bond Provider

Cincinnati, OH

**Company:** Est. 1872

[View Profile](https://planprovider.pro/provider/great-american-insurance-group)

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### [Hudson Insurance Group](https://planprovider.pro/provider/hudson-insurance-group)

ERISA Bond Provider

New York, NY

**Company:** Est. 1918

[View Profile](https://planprovider.pro/provider/hudson-insurance-group)

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### [Jet Insurance Company](https://planprovider.pro/provider/jet-insurance-company)

ERISA Bond Provider

Charlotte, NC

**Company:** Est. 2019

[View Profile](https://planprovider.pro/provider/jet-insurance-company)

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### [Liberty Mutual Surety](https://planprovider.pro/provider/liberty-mutual-surety)

ERISA Bond Provider • Pro Score 1.5

Boston, MA

**Company:** Est. 1912

[View Profile](https://planprovider.pro/provider/liberty-mutual-surety)

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### [Merchants Bonding Company](https://planprovider.pro/provider/merchants-bonding-company)

ERISA Bond Provider

West Des Moines, IA

**Company:** Est. 1933

[View Profile](https://planprovider.pro/provider/merchants-bonding-company)

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### [Nationwide](https://planprovider.pro/provider/nationwide)

ERISA Bond Provider

Columbus, OH

**Company:** Est. 1926

[View Profile](https://planprovider.pro/provider/nationwide)

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### [Old Republic Surety Company](https://planprovider.pro/provider/old-republic-surety-company)

ERISA Bond Provider

Brookfield, WI

**Company:** Est. 1923

[View Profile](https://planprovider.pro/provider/old-republic-surety-company)

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### [RLI Corp](https://planprovider.pro/provider/rli-corp)

ERISA Bond Provider

Peoria, IL

**Company:** Est. 1965

[View Profile](https://planprovider.pro/provider/rli-corp)

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### [The Hartford](https://planprovider.pro/provider/the-hartford)

ERISA Bond Provider

Hartford, CT

**Company:** Est. 1810

[View Profile](https://planprovider.pro/provider/the-hartford)

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### [Travelers Casualty and Surety ERISA Bonds](https://planprovider.pro/provider/travelers-casualty-and-surety)

ERISA Bond Provider • Pro Score 3.0

Hartford, CT

**Company:** Est. 1864

[View Profile](https://planprovider.pro/provider/travelers-casualty-and-surety)

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### [Zurich North America](https://planprovider.pro/provider/zurich-north-america)

ERISA Bond Provider • Pro Score 2.3

Schaumburg, IL

**Company:** Est. 1912 • 53,000 employees

[View Profile](https://planprovider.pro/provider/zurich-north-america)

## Understanding the ERISA Fidelity Bond Requirement

One of the most common compliance oversights for new 401(k) plan sponsors is failing to secure an ERISA fidelity bond. Unlike optional insurance coverages, this bond is mandated by federal law under the Employee Retirement Income Security Act (ERISA). Its specific purpose is to protect the plan's assets—and by extension, the participants' savings—against losses resulting from fraudulent or dishonest acts by those who handle the funds. This includes theft, embezzlement, or forgery. Without this safeguard in place, plan fiduciaries can be held personally liable for losses that would have otherwise been covered by the bond.

### How Much Coverage Do You Need? (The 10% Rule)

The Department of Labor (DOL) has strict formulas for determining the required bond amount. Generally, every person who handles plan funds must be bonded for at least **10% of the value of the plan assets** they handle.

- **Minimum Coverage:** The bond cannot be less than $1,000.

- **Maximum Coverage:** For most plans, the requirement caps at $500,000.

- **Exception for Company Stock:** If your plan holds employer securities (such as in an ESOP), the maximum bond amount increases to $1,000,000.

Sponsors must review their coverage annually. As your plan assets grow through contributions and market gains, your bond limit must increase to remain compliant. This is typically verified during the preparation of your annual Form 5500 filing.

### ERISA Bond vs. Fiduciary Liability Insurance

A critical distinction that often confuses business owners is the difference between an ERISA bond and Fiduciary Liability Insurance. They serve two completely different purposes:

- **ERISA Fidelity Bond:** Protects the *plan* from theft and fraud. It is **mandatory**.

- **Fiduciary Liability Insurance:** Protects the *fiduciaries* (you and your company) from legal claims regarding mismanagement, administrative errors, or breaches of duty. It is **optional** but highly recommended.

While the bond satisfies the legal requirement, it will not pay for legal defense costs if you are sued for poor investment performance or administrative mistakes. For comprehensive protection, many sponsors work with [plan advisors](https://planprovider.pro/plan-advisors) to secure both types of coverage.

### Where to Buy an ERISA Bond

You cannot simply buy a bond from any insurance agent; it must be issued by a surety company or reinsurer named on the Department of the Treasury’s Listing of Approved Sureties (Circular 570). Our directory connects you with specialized [ERISA bond providers](https://planprovider.pro/erisa-bonds) who can issue compliant bonds instantly, often for a multi-year term to prevent coverage lapses. If you are unsure if your current bond is sufficient, consult with your [401(k) auditor](https://planprovider.pro/auditors) or TPA immediately to avoid audit flags on your next tax filing.

[View full interactive listing on PlanProvider.Pro](https://planprovider.pro/erisa-bonds/401k)

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