CIMA’s ERISA Bond (aka ERISA Fidelity coverage) program is for any business and we are licensed to issue ERISA bonds in all 50 states.  What is ERISA?  The Employee Retirement Income Security Act of 1974 (ERISA) was enacted to protect employee benefit plans against loss by acts of fraud or dishonesty.  The statute instituted a fidelity bond requirement for plan trustees, and it defined the coverage limit requirements.  Our surety, Travelers Casualty and Surety Company of America, is rated “A++” (superior) by AM Best & Company.

A few features of our ERISA Bonds Program:

  • Mandatory coverage in a simplified format.
  • Inflation Guard feature included which automatically provides a limit of insurance, per plan, adjusted at the plan’s fiscal anniversary date, equal to the limit of insurance required by ERISA (please note a 10% surcharge will be applied at renewal for this protection).
  • Discounted three-year prepaid premiums based upon certain underwriting requirements.

For a free no obligation quote, please click here to complete a short application. Once complete, please email to

For more information, please contact Cindy Baldwin toll free at 800.468.4200 or direct at 410.782.2663.