Contact ERISAbonds.com

ERISAbonds.com is operated by The Southern Agency. If the standard online path does not fit your plan, contact our team directly. We provide practical insurance guidance about ERISA fidelity bond amounts, available terms, and the purchase process. There is no contact form on this page; use the phone number or email address below so you know exactly where your question is going.

When to call

Call when your calculated requirement is over $500,000. The usual maximum required amount is $500,000 per plan, but a plan holding employer securities can have a required amount up to $1,000,000. Employer securities are common in ESOPs and may also appear in other retirement plans. A conversation helps make sure the request reflects the correct statutory ceiling and the coverage available for the plan.

You should also call with multi-plan questions. A sponsor may maintain a 401(k) plan, welfare plan, pension plan, or other covered arrangement at the same time. Although a bond can be structured to cover more than one plan, each plan must receive the protection Section 412 requires. Limits, named plans, and any shared coverage should be reviewed rather than assuming that one limit automatically satisfies every plan.

Other questions we can address

• How to navigate the calculator and select an available coverage tier.
• Whether the displayed premium is the total for the selected term.
• What information to gather before opening the third-party surety checkout.
• How employer securities affect the maximum required bond amount.
• How an ERISA fidelity bond differs from fiduciary liability insurance.
• What to do when an online option does not match the calculated amount.

Information to have ready

To make a bonding conversation efficient, have the legal name of the plan sponsor, the plan name, the state, the requested bond amount, and the desired term available. It is also useful to know the amount of plan funds handled in the preceding plan year and whether the plan holds employer securities. For multiple plans, prepare the name and requested limit for each plan and identify whether the same people handle their property.

Do not email payment-card details, account passwords, Social Security numbers, or other unnecessary sensitive information. Online applications and payment are completed on the third-party surety checkout, not by email and not on ERISAbonds.com.

Questions for professional advisers

We can explain bond features and the insurance process, but we do not provide legal, tax, accounting, or investment advice. Ask qualified benefits counsel whether a plan is covered by Title I of ERISA, whether a governmental or church-plan exclusion applies, or whether a 403(b) arrangement satisfies a regulatory safe harbor. The plan administrator or accountant can help establish the underlying plan figures used in the calculation.

Prepare before contacting us

The requirements guide summarizes Section 412, and the calculator provides an initial estimate. Reviewing those pages first may answer a routine question and will give us a useful starting point if you call. You can also review bonding exemptions when plan status is the main issue.