Financial and Crime Related Protection
Even well‑run businesses can experience fraud, theft, or contract obligations that demand more than a handshake. A missing deposit, dishonest act, or bond requirement can create serious financial strain if you are not prepared. Gould Agency helps businesses put crime coverage and the right mix of bonds in place so you can protect your cash flow, meet requirements, and keep work moving.
Crime Insurance
Not every loss shows up as broken glass or damaged equipment. Sometimes it’s money that disappears, altered records, or unauthorized transfers. Crime insurance is designed to help protect your business from certain financially motivated acts that standard property policies may not fully address.
We’ll look at how funds move through your organization, who has access to accounts, and where controls may be thin, then recommend crime coverage options that match your real exposure.
Crime coverage can help with:
- Certain types of internal theft and employee dishonesty
- Forgery or alteration of checks and similar instruments
- Theft, disappearance, or destruction of covered money and securities
Fidelity Bonds
Fidelity bonds focus specifically on dishonest acts by people you trust to handle money, property, or sensitive information. They function as a financial safety net when internal safeguards are not enough.
With the right fidelity bonds in place, you can help safeguard assets such as money, personal belongings, computer equipment, and supplies—and extend protection to employees or volunteers when appropriate.
Gould Agency offers several types of fidelity bonds, including:
- ERISA Bonds – Help address certain claims involving violations of the Employee Retirement Income Security Act (ERISA), such as imprudent investments or failure to enroll eligible employees.
- Employee Dishonesty Bonds – Help protect against fraudulent acts committed by employees on your business property, including theft of money, securities, or other covered assets.
- Business Service Bonds – Help protect against theft of a client’s or customer’s property at their premises caused by your employees while performing services.
Surety and Other Required Bonds
In many situations, it’s your promises—not just your property—that need backing. Project owners, courts, and government agencies often require surety or related bonds before they will award contracts, issue licenses, or approve certain actions.
These bonds give confidence to the obligee (such as a project owner or public authority) that you will fulfill your obligations—completing work, paying subcontractors and suppliers, or carrying out duties honestly and faithfully.
Gould Agency can assist with a range of bond types, including:
- Performance and Payment Bonds
- Contractor’s / Contractor Bonds
- Sub‑Division Bonds
- Court Bonds
- Conservator Bonds
- Fiduciary and ERISA Bonds
- Public Official Bonds
- Liquor License Bonds
- Other Surety Bonds as needed
See Where You’re Financially Exposed
To build the right combination of crime insurance, fidelity bonds, and surety bonds, we focus on where your money and obligations are at risk:
By mapping those pressure points, Gould Agency can align crime coverage and bond solutions so they work together and address the exposures that matter most to your business.
How you collect, store, and move funds
Who handles cash, checks, and electronic transfers
Which contracts, licenses, or roles require specific bonds or limits
Where a single dishonest act or default could cause outsized damage
Prefer to start on your own time? Fill out our Commercial Insurance Quote Request form online — it only takes a few minutes, and we’ll follow up with next steps.
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