Financial Institution Bond

As required by regulators for financial institutions, fidelity coverage is provided through an enhanced version of the Surety Association Form 24, revised to January 2004. Four Insuring Agreements comprise “basic” coverage:

  • Insuring Agreement A - Fidelity
  • Insuring Agreement B - On Premises 
  • Insuring Agreement C - In Transit 
  • Insuring Agreement F - Counterfeit Money

Coverage Name Summary* Specimen**
Financial Institution Bond
Riders/Insuring Agreements    
ATM Rider
Check Kiting Rider
Computer Fraud Rider
Extortion Rider
Forgery-Alteration Insuring Agreement  
Fraudulent Mortgages Insuring Agreement  
Money Order Issuers Rider
Safe Deposit Rider
Servicing Contractors Rider
Securities Insuring Agreement  
Stop Payment Rider
Transit Cash Letter Rider
Unauthorized Signature Rider

* Documents are applicable only for those states where the 2017 D&O policy has been approved, as indicated in "white" on the map above.

** Specimen policies are applicable only for those states where Great American policies have been approved, as indicated in "blue" on the map above.


Professional Liability/Bond Applications


Blue States approved for Great American policies: AL, AR, AZ, CA, CO, CT, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY

White States approved for Everest National policies: AK, FL, MA, NY, WA

Applications for all states (except NY)
For banks with assets < $150 Million
For banks with assets > $150 Million
New York specific applications
For banks with assets < $150 Million    
For banks with assets > $150 Million    


Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. All coverage descriptions and claims examples are provided for informational and educational purposes only and are not a representation as to coverage for any particular claim and are not represented to be error free. Coverage for any claim is determined upon the specific facts of the claim, the terms and conditions of the policy and applicable law. For details on the coverage provided by your specific contract of insurance, please refer to your policy. Coverage is subject to underwriting guidelines and may not be available in all states. Limits may be capped for underwriting reasons. Any links to any sites which are not originated by ABA Insurance Services Inc. (ABAIS) are provided only as a courtesy and are not intended to nor do they constitute an endorsement by ABAIS of the linked materials.