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M. BURR KEIM AGENCY · Fidelity Bonds · Reviewed November 2026

Employee Dishonesty Bond

An employee dishonesty bond — often written as an employee dishonesty A and B bond — is a fidelity bond that protects a business from loss caused by employee theft, forgery, or dishonest acts. It is different from a surety bond required by a licensing agency.

Apply for This Bond Online How to Apply Questions

At a glance

Product
Employee Dishonesty Bond
Category
Fidelity Bonds
Required amount
The coverage limit is selected by the business based on the amount of exposure it wants to insure. Limits can range from a few thousand dollars to $200,000 or more. The right limit depends on payroll, cash handling, access to funds, and any contractual requirement.
Online issue
Instant issue with conditional questions up to $200,000. Higher limits or more complex risks may require underwriting review. Apply online for the current premium and to confirm the available limit.
Term
Coverage is usually written for a one-year term and renewed annually. Some contracts or franchise agreements require a specific term or limit. Review the renewal date and any contractual insurance requirements before binding coverage.

Who needs an employee Dishonesty Bond?

  • Businesses that want fidelity coverage for employee theft, forgery, or dishonest acts.
  • Companies required by a contract, franchise agreement, or lender to carry employee dishonesty coverage.
  • Employers reviewing their crime coverage who need a standalone fidelity bond rather than a commercial crime policy.

Why is an employee Dishonesty Bond required?

Employee dishonesty coverage protects the employer from financial loss when an employee steals money or property, forges checks, or commits other covered dishonest acts. The coverage is often required by contracts, franchise agreements, or internal risk-management policies.

A fidelity bond is a form of insurance, not a license bond. It does not protect the public or a government agency, and it does not replace commercial crime coverage, cyber coverage, or the employer’s own internal controls.

How much bond do I need?

The coverage limit is selected by the business based on the amount of exposure it wants to insure. Limits can range from a few thousand dollars to $200,000 or more. The right limit depends on payroll, cash handling, access to funds, and any contractual requirement.

Instant issue with conditional questions up to $200,000. Higher limits or more complex risks may require underwriting review. Apply online for the current premium and to confirm the available limit.

Bond amount is not the premium. The required amount is the maximum the surety could pay under the bond. The premium you pay is a separate charge based on the bond amount, the risk, the term, and your credit. The online application shows the premium before you bind coverage.

How much does an employee Dishonesty Bond cost?

Premium depends on the selected limit, the number of employees and locations, the type of business, the deductible, and the applicant’s loss history. Employee dishonesty coverage is usually inexpensive relative to the limit. Apply online for the current premium.

How to apply online

  1. Confirm the bond amount and obligee. Use the amount and legal name of the agency, court, client, or government entity that requires the bond. The obligee name must match the requiring party’s records.
  2. Gather the application information. Have the legal business or entity name, address, license or case number, ownership information, and the required bond amount ready.
  3. Start the CNA Surety application. Use the online application link on this page. The link includes the M. BURR KEIM AGENCY app code and agency code, so the application is routed to our agency.
  4. Pay the premium and bind coverage. If the bond is eligible for instant issue, the application will show the premium and let you complete the purchase online. Otherwise, the surety will review the application and contact you if additional information is needed.
  5. File the bond. Provide the issued bond to the agency, court, client, or government entity that requires it, and keep a copy for your records.
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Employee Dishonesty Bond term and renewal

Coverage is usually written for a one-year term and renewed annually. Some contracts or franchise agreements require a specific term or limit. Review the renewal date and any contractual insurance requirements before binding coverage.

Good to know

  • The A and B forms refer to different coverage parts used in fidelity bonds. Confirm the form and limit required by your contract or risk manager before applying.
  • A fidelity bond does not cover every type of crime. Review whether you also need computer fraud, funds transfer fraud, or forgery coverage.

Employee Dishonesty Bond questions

An employee dishonesty bond — often written as an employee dishonesty A and B bond — is a fidelity bond that protects a business from loss caused by employee theft, forgery, or dishonest acts. It is different from a surety bond required by a licensing agency.

Businesses that want fidelity coverage for employee theft, forgery, or dishonest acts. Companies required by a contract, franchise agreement, or lender to carry employee dishonesty coverage. Employers reviewing their crime coverage who need a standalone fidelity bond rather than a commercial crime policy.

Premium depends on the selected limit, the number of employees and locations, the type of business, the deductible, and the applicant’s loss history. Employee dishonesty coverage is usually inexpensive relative to the limit. Apply online for the current premium.

The coverage limit is selected by the business based on the amount of exposure it wants to insure. Limits can range from a few thousand dollars to $200,000 or more. The right limit depends on payroll, cash handling, access to funds, and any contractual requirement. Instant issue with conditional questions up to $200,000. Higher limits or more complex risks may require underwriting review. Apply online for the current premium and to confirm the available limit.

Apply online through CNA Surety using the application link on this page. The link includes the M. BURR KEIM AGENCY app code and agency code, so the application is routed to our agency. Complete the application, pay the premium online if the bond is eligible for instant issue, and then file the bond with the agency, court, or client that requires it.

No. A surety bond is a three-party guarantee often required by a licensing agency or court. An employee dishonesty bond is a fidelity insurance product that protects the employer from employee theft and dishonest acts. The two serve different purposes.

The A and B forms refer to different coverage parts used in fidelity bond programs. The exact scope depends on the form and endorsements. Review the policy language or ask your insurance adviser to confirm which losses are covered.

Online application and important note

Bond requirements, forms, amounts, and fees are set by the requiring agency, court, or carrier and can change. This page is general information, not legal advice. Confirm the current requirement with the agency, court, client, or your attorney before applying. M. BURR KEIM AGENCY is an insurance and surety bond agency; the bond or policy is issued by the carrier named on the document.