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Surety One, Inc.
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Surety One, Inc.
Contact Us
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Fidelity Bond

Fidelity bonds — often marketed as Commercial Crime Policies — protect businesses from financial loss caused by dishonest acts committed by employees. Through Surety One, Inc., insurance agents and brokers can place flexible, broad fidelity solutions that are tailored for a wide range of clients, including those with domestic and international exposures.

Surety One underwrites to S.F.A.A. formats and provides comprehensive crime coverage forms that can be modified with endorsements. The program can handle routine accounts as well as manuscript or non-standard risks for small businesses, financial institutions, nonprofits, and multinational firms. Fidelity coverage is available in all 50 states and Washington, D.C. on a non-admitted basis.

Coverage Highlights

  • Employee theft, including embezzlement and misappropriation
  • Forgery or alteration of checks, drafts, or promissory notes
  • Loss from theft, disappearance, or destruction of money and securities
  • Robbery and safe burglary on premises or in transit
  • Computer crime, including funds-transfer fraud and hacking-related losses
  • Losses from acceptance of counterfeit currency or money orders

Ideal Accounts and Appetite

Surety One targets a broad set of accounts and has a particular appetite for risks that require custom drafting or expanded forms. The program works well for:

  • Professional service firms (accountants, consultants, legal firms)
  • Financial services and investment advisory firms
  • Retailers and wholesalers with high volumes of cash or securities
  • Nonprofits and charitable organizations
  • Public officials and governmental entities requiring specific bond forms

You might have a client expanding internationally or a growing business that needs a manuscript fidelity bond—Surety One can structure tailored solutions to address those needs.

Underwriting Flexibility

Base forms can be broadened or narrowed with endorsements. Surety One is known for writing manuscript fidelity bonds and considering risks outside conventional underwriting boxes. Submissions that include strong internal controls, clear financial statements, and a concise description of exposures move more quickly, but complex accounts can be placed with the right structure and documentation.

Nationwide Availability

The Fidelity Bond program is available in all 50 states and Washington, D.C. Coverage is written on a non-admitted basis to allow greater flexibility in form and rate development.

Why Partner With Surety One, Inc.?

As a Managing General Agency with deep experience in surety and fidelity products, Surety One offers personalized service, responsive underwriting, and the ability to underwrite non-standard or manuscript exposures. Whether you’re placing a routine fidelity bond or crafting a bespoke solution for a hard-to-place client, Surety One provides the technical expertise and market access to help you close the placement.

Frequently Asked Questions

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

This program suits professional service firms, financial institutions, retailers that handle cash or securities, nonprofits, and businesses with international operations or special bond requirements.

Can Surety One handle manuscript or custom fidelity bonds?

Yes. Surety One has a strong appetite for non-standard risks and can draft manuscript fidelity bonds tailored to a client's specific exposures.

Is this Fidelity Bond program available in all states?

Yes. The program is available in all 50 states and Washington, D.C. on a non-admitted basis.

Does Surety One consider international exposures?

Yes. Surety One provides coverage for domestic and international operations, making it suitable for clients with global exposures.

What information is required for underwriting a new submission?

Typical submissions should include a completed application, financial statements, documentation of internal controls, and a clear description of the client's operations and exposures.

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
  • Carriers:

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CONTACT INFORMATION

LOCATION

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

AGENCY LICENSING

All fifty states, Puerto Rico and U.S. Virgin Islands.
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Surety One, Inc. has other insurance programs like Appeal & Supersedeas Bond.