Frequently Asked Questions		Fidelity Bonds Employee theft can deliver a striking blow to a business. Surveys have shown that a surprisingly large number of employees have admitted stealing from their employers during the previous year. Fidelity Bonds guarantee that the bonded employee(s) will handle their employer's money and property with fidelity. In other words, it guarantees they won't steal. CNA Surety provides the following Fidelity Bonds: Janitorial Services Bonds Employee Dishonesty Bonds Pension/Trust (ERISA) Bonds *Please note: All bond applications must be submitted through an independent insurance agent appointed with one of the CNA Surety Companies. To locate an agent near you, check your local yellow pages or search the Independent Insurance Agents of America web site at http://www.iiaa.org/. If you are a licensed independent insurance agent, contact us at 1-800-331-6053 or info@cnasurety.com for more information regarding Fidelity Bonds.   Janitorial Services Bonds Do you have clients that provide janitorial services to other business? You know how vulnerable their employees are to employee dishonesty. After all, their employees have access to customers' assets, equipment, supplies and personal belongings. These employees are easy targets for blame. Any customer who finds something missing is likely to suspect those who do the cleaning. The fact is dishonest employees can significantly damage their employer's business. This bond is specifically designed to provide protection for your client's customers. They may have good luck and never have problems with a dishonest employee; but they will rest easier knowing they are covered. To apply for a Janitorial Service Bond, submit a completed Janitorial Services Bond Application. To apply for a TX Janitorial Services Bond, submit a completed Texas Business Services Bond for Janitorial Services Application. *Please note: All bond applications must be submitted through an independent insurance agent appointed with one of the CNA Surety Companies. To locate an agent near you, check your local yellow pages or search the Independent Insurance Agents of America web site at http://www.iiaa.org/. If you are a licensed independent insurance agent, contact us at 1-800-331-6053 or info@cnasurety.com for more information regarding Janitorial Services Bonds.   Employee Dishonesty Bonds Employee Dishonesty Bonds guarantee that the bonded employee(s) will handle their employer's money and property with fidelity. Small companies can be especially hard hit because they can't afford extensive safeguards and do not have the financial capacity to absorb the losses. To apply for an Employee Dishonesty Bond, submit a completed Dishonesty Bond Application. To apply for a TX Employee Dishonesty Bond, submit a completed Texas Dishonesty Bond Application. To apply for a Name or Position Schedule Bond, complete and sign a Form 10 Application for each individual or position to be covered, including Section 2. To consider a quote on a Blanket Position or Commercial Blanket Bond, submit a completed and signed Form 30 Application. Coverage A — Blanket Position coverage designed to cover certain professional businesses. Coverage B — Blanket Position coverage designed to provide coverage for employee dishonesty for businesses with more exposure such as retail stores, gas stations, and restaurants. This bond also will provide coverage for employees who may steal from a subscriber of the business. Conviction clause applies in most states. *Please note: All bond applications must be submitted through an independent insurance agent appointed with one of the CNA Surety Companies. To locate an agent near you, check your local yellow pages or search the Independent Insurance Agents of America web site at http://www.iiaa.org/. If you are a licensed independent insurance agent, contact us at 1-800-331-6053 or info@cnasurety.com for more information regarding Employee Dishonesty Bonds.   Pension Trust (ERISA) Bonds Pension Plans and profit sharing programs are managed by appointed individuals known as plan fiduciaries. The Pension Reform Act of 1974 states that the fiduciaries of a pension or profit sharing fund are required to post a bond for 10% of the amount of funds handled. To apply for a Pension Trust (ERISA) Bond, submit a completed and signed Pension Trust Bond Application. As an alternative, complete and sign a Form 10 Application for each trustee including Section 2. Also, please answer the following questions: Is the plan audited? How often? By whom? *Please note: All bond applications must be submitted through an independent insurance agent appointed with one of the CNA Surety Companies. To locate an agent near you, check your local yellow pages or search the Independent Insurance Agents of America web site at http://www.iiaa.org/. If you are a licensed independent insurance agent, contact us at 1-800-331-6053 or info@cnasurety.com for more information regarding Pension Trust Bonds. To access the above applications, you will need Adobe Acrobat Reader version 4.0 or later. Click on the Adobe icon below to download the latest version of this free software now.

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