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Surety One, Inc.
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Surety One, Inc.
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ERISA Bond

ERISA Fidelity Bond Solutions from Surety One, Inc.
As a trusted Managing General Agency and E&S broker, Surety One, Inc. offers a comprehensive ERISA Bond program tailored to meet the compliance needs of employee benefit plans. Our ERISA Bond coverage helps agents and brokers secure the right protection for fiduciaries and handlers of plan assets, aligning with federal requirements and Department of Labor regulations.

The Employee Retirement Income Security Act of 1974 (ERISA) mandates that every fiduciary and person who manages plan assets be bonded to protect against losses caused by acts of fraud or dishonesty. Surety One, Inc. provides fast, flexible bonding solutions for both standard and specialized ERISA exposures, including plans with non-qualified assets and independent investment advisers.

Ideal Accounts and Appetite

Our ERISA Bond program is ideal for agents placing coverage for:
  • Private employers sponsoring employee benefit plans
  • Plan trustees and fiduciaries responsible for plan administration
  • Third-party administrators managing ERISA-regulated plans
  • Registered Investment Advisers (RIAs) requiring ERISA-compliant bonding
You might have a client who recently launched a 401(k) plan and needs to meet bonding requirements quickly, or a financial adviser managing multiple client plans who requires a DOL-approved bond. We can help with both scenarios.

Coverage Highlights and Advantages

  • Meets ERISA Section 412 and related DOL regulations
  • Bond limits based on plan asset types—typically 10% of plan assets for qualified assets and 100% for non-qualified assets
  • Maximum bond limit of $500,000 per plan (or $1,000,000 for plans holding employer securities)
  • Specialty ERISA bonds available for RIAs, approved by the U.S. Department of Labor
  • Application and underwriting support for retroactive bonding needs beyond standard 30-day windows

Download our RIA ERISA-compliant bond application for more details on our specialty product.

*Your client's plan or advisory firm may also benefit from fiduciary liability coverage. Contact us for details.

Underwriting Notes and Considerations

Surety companies generally avoid backdating ERISA bonds since it introduces risk without prior premium or underwriting. However, Surety One, Inc. can consider retroactive coverage beyond 30 days in specific cases, subject to additional documentation and underwriting review. Contact our team to discuss eligibility.

Territories and Availability

Our ERISA Bond program is available in all 50 states and the District of Columbia. As a non-admitted offering, we can deliver flexible solutions for standard and hard-to-place risks across diverse jurisdictions.

Why Work With Surety One, Inc.?

Surety One, Inc. is a niche surety and fidelity bond provider with deep expertise in regulatory bonding requirements. We offer responsive underwriting, fast turnaround, and specialty solutions for unique ERISA exposures—such as RIAs and plans holding non-qualified assets. Our broad licensing and E&S market access allow us to serve agents and brokers nationwide.

Whether you’re working with a new plan sponsor or a complex advisory structure, Surety One offers the products and support you need to place ERISA bonds quickly and compliantly.

Frequently Asked Questions

What types of accounts are a good fit for this ERISA Bond program?

Our program is ideal for employers with retirement plans, plan fiduciaries, third-party administrators, and registered investment advisers who need to meet ERISA bonding requirements.

Can you provide ERISA bonds for plans with non-qualified assets?

Yes, we can provide bonds for plans with non-qualified assets, which require 100% bonding of the total asset value. Additional underwriting may apply.

Do you offer ERISA bonds for registered investment advisers (RIAs)?

Yes, we offer a specialty ERISA bond product for RIAs that meets Department of Labor requirements. A separate application is available for these accounts.

Is retroactive coverage available for ERISA bonds?

Retroactive bonding beyond 30 days may be available on a case-by-case basis with additional documentation and underwriting approval.

In which states is this ERISA Bond program available?

This program is available in all 50 states and the District of Columbia.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • US Territories:
    American Samoa , Guam, Minor Outlying Islands , Northern Mariana Islands , Puerto Rico, Virgin Islands
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Carriers:

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CONTACT INFORMATION

LOCATION

404 ave. de la Constitución, Suite 708
San Juan, AL 00901
787-333-0222
0E05447
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AGENCY LICENSING

All fifty states, Puerto Rico and U.S. Virgin Islands. All carriers qualified by U.S. Treasury and currently on T-List.
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Surety One, Inc. has other insurance programs like Appeal & Supersedeas Bond.