ERISA Bonds Guide

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What is an ERISA Bond?

ERISA bonds are a type of fidelity bond that protect participants and beneficiaries of employee benefit plans. These bonds are sometimes referred to as ERISA bond insurance since it is in fact a type of insurance.

ERISA Fidelity Bond Requirements

ERISA bonds are required by law for employers who have employee benefit plans in place to protect the plan participants. The required bond must be equal to 10% of the maximum assets estimated to be held in the plan for the fiscal year. These requirements were enacted by the Employee Retirement Income Security Act (ERISA).

How Much Does an ERISA Bond Cost?

Costs are determined by your class of business, the dollar amount of coverage (which must be at least 10% of the amount of employee benefit plan funds held), and the number of employees that need coverage. Without having your specific information and knowing your exact bonding needs it's impossible to provide an idea of pricing. You can get a precise quote by filling out our ERISA bond application.

Frequently Asked Questions

What is the process?

Apply online, get a quote, send payment and we will ship the bond out to you.

Can I get an ERISA bond with bad credit?

Yes. Credit is not checked for these bonds.

What should I do if there is a false claim?

You will be contacted by the bond company that wrote the bond, and it is important that you respond as soon as possible. You will then have the chance to refute any false claim and discuss the matter with the claims department to prove that the claim is false.

Are you looking for a different type of bond?

You can take a look at our full list of fidelity bonds.

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