Dishonesty & Fidelity Bonds

Apply for your Dishonesty & Fidelity Bond

We are licensed in all 50 states.

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What does the bond cover?


1. Form A - The Form A bond is standard fidelity coverage. It is designed to cover professional and business offices such as accountants, physicians, dentists, attorneys, architects and realtors. The Form A coverage can also be used to cover the officers only of nonprofit organizations. This is a blanket position bond covering each employee to the penalty amount. * The Form A bond provides coverage exclusively to the employer, to protect against a dishonest act by an employee. A dishonest act by the employer would not be covered.

2. Form B - The Surety Company developed the Form B bond to provide employee fidelity coverage for businesses with more exposure. This form is used for businesses such as cafes, restaurants and retail operations. The Form B coverage is also used to cover nonprofit organizations when the employees of the organization are to be covered, along with the officers. To protect against unjustifiable allegations or charges, the employee must be convicted of the dishonest act before coverage would apply .* * This is also blanket position coverage.

The Form B bond provides coverage to the employer to protect- against a dishonest act by an employee, plus another feature known as subscriber liability. Under the Form B bond, the subscribers to a service are also protected against a dishonest act by an employee; however, it is important to note that a subscriber to a service does not have a direct right of recovery under Form B coverage. The Company only agrees to indemnify the insured for any loss of money or other property which it sustains or for which it becomes liable to any customer or subscriber through any fraudulent or dishonest act committed by its employees.

* In Texas, Form A is commercial blanket coverage. All employees are covered for an aggregate amount up to the bond penalty.

** The conviction clause does not apply in North Carolina but an indictment is required. The state of Nebraska requires either a conviction or a guilty plea.

Who needs this bond?

Employers who need financial protection from the loss of property by employee theft are those who need dishonesty bonds.

How much does this bond cost?

The price you pay for a fidelity/dishonesty bond tends to be between 0.5% and 1% of the total bond amount.

How do I apply?

To apply for your dishonesty/fidelity bond, complete and submit the secure application below. You may also download a PDF application, and email it to, or fax it to (949)-361-9926.

Other names for this bond: employee dishonesty bond, fidelity bond, dishonesty bond


The dishonesty bond is employee fidelity coverage to protect the employer against a dishonest act by an employee. For the employer, the dishonesty/fidelity bond provides protection for a very reasonable premium. For the agency, the bond can be an excellent door opening tool, leading to additional business. The dishonesty/fidelity bond is easy to write, without all the complicated rate modifications and employee classifications other companies require.

Complete the application below and we'll send you a free bond quote.

Dishonesty & Fidelity Bonds

What Our Customers Have to Say

I have processed 2 defective title bonds through South Coast Surety and I am the type that gets worried for any little detail and want to make sure everything is done correctly the first time to prevent double work for myself and everybody. Knowing how I am both times I had to call customer service and they answered every little question I had in a very nice and gratifying way that made me feel I would not have any problems in which I did not. South Coast Surety has the ultimate best customer service.

5 Star Review

Gaby - CA
May 2019

I was shopping for a surety bond for the first time and having trouble communicating with several different companies. When I contacted South Coast Surety they responded quickly and performed the transaction quick and easy. I might have been able to find a lower price, but their professionalism was worth a couple extra dollars.

5 Star Review

KG C. - CA
April 2019

We are opening up a Mental Health Residential Treatment Center and needed a Surety bond since we will be handling some clients cash resources. I reached out to South Coast Surety, they sent me an application, paid our premium and had our bond sent to us immediately. Everyone I spoke to and emailed was courteous, attentive and responded very quickly. We will most definitely continue to get all of our bond services from South Coast.

5 Star Review

John F. - CA
September 2021

Great customer service from South Coast Surety. When I had questions about the bond and process, their customer service team assisted me with a sense of urgency and answered my questions. I recommend using their services. I will be a returning customer.

5 Star Review

P&C B. - CA
April 2021

I needed a surety bond and was referred by another company to south coast. I am very impressed with the level of customer service in every stage of issuing the bond, the rapid response to the get the bond issued and communication with the team. Great team and awesome service. I highly recommend South Coast Surety for you bond needs.

5 Star Review

Mirwais A. - CA
March 2021

I was in need of obtaining my CA Insurance Bond. I was able to obtain my required Bond quote online within minutes. I approved the quote and requested the Bond to be issued. On the same day, I received the Evidence of Coverage. Could not ask for better pricing or better service. I highly recommend South Coast Surety to meet a wide range of Bonding needs.

5 Star Review

Udo G. - NJ
January 2018

Celebrating 25 Years of Committed Surety Service

South Coast Surety has been proudly providing surety support to all fifty U.S. states for twenty years. Starting out as a small agency with a dream in San Clemente, California, we have steadily grown into one of the largest bond-only agencies in the nation. We write all commercial bonds and contract bonds for every American business and industry. Our greatest achievement is helping our clients grow their business alongside our own through coaching and obtaining larger bonding limits at the best rates. We work hard for our clients and take pride in bonding businesses that have been declined by our competitors.

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