Comprehensive Fidelity Bond Solutions for Your Clients
J.M. Wilson offers a broad Fidelity Bond program tailored to independent agents placing commercial accounts. Whether you need a basic employee dishonesty bond, a contract-required third-party fidelity bond for a janitorial firm, or ERISA coverage for a plan fiduciary, our surety team provides responsive underwriting and access to both standard and specialty markets.
Target Classes and Ideal Accounts
This program is designed for commercial clients exposed to employee dishonesty, theft, or fraud. Typical fits include:
- Business service firms with access to client property or funds
- Janitorial and cleaning companies requiring third-party fidelity coverage for contracts
- Employers and plan administrators needing ERISA fidelity bonds
- Financial institutions requiring specialized fidelity protections
- Commercial operations concerned about internal employee theft or fraud
Example scenarios: you might place a fidelity bond for a small bookkeeping firm that handles client funds, or a janitorial contractor that must meet a municipality’s third-party fidelity requirement to win a contract.
Program Highlights and Advantages
Working with J.M. Wilson on Fidelity Bonds gives agents these advantages:
- Competitive pricing within the relevant markets
- Fast quote turnaround to help you move business quickly
- 24–48 hour response on new submissions in most cases
- Appetite for difficult-to-place risks and niche exposures
- Access to both admitted and non-admitted carriers
- We accept submissions from other surety markets for competitive review
- All represented surety carriers are rated “A” or better
Underwriting Considerations
Each submission is reviewed on its individual merits. Our markets consider new ventures, varied payroll sizes, and accounts with specific contractual bonding requirements. Common underwriting factors include the employer’s controls and background screening, prior losses, the nature of employee access to funds or property, and the requested limits and terms.
If you have a submission currently placed with another surety, we welcome those applications for comparison and potential placement with our markets.
States Available
This Fidelity Bond program is available to licensed agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Why Work with J.M. Wilson?
As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep surety expertise with established carrier relationships. Our team focuses on quick, practical solutions for both standard and hard-to-place fidelity exposures. When you work with us, you get a dedicated surety team that understands agent needs, expedites submissions, and pursues competitive market options.
Frequently Asked Questions
What types of accounts are a good fit for J.M. Wilson's Fidelity Bond program?
Good fits include business services, janitorial companies that need third-party coverage, financial institutions, ERISA plan fiduciaries, and any commercial entity seeking protection from employee dishonesty or theft.
Can J.M. Wilson help with hard-to-place or unusual bond requests?
Yes. We have appetite for difficult-to-place accounts and access to both standard and specialty carriers to handle unique bonding needs.
How quickly can I expect a response on a new submission?
We typically respond within 24 to 48 hours on new account submissions, though response time can vary with complexity and requested documentation.
Are your carriers admitted or non-admitted?
We represent a mix of admitted and non-admitted carriers, allowing flexible placement options based on the account’s requirements.
In which states is this Fidelity Bond program available?
This program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.