ERISA Bond Coverage.... combine bonds?

Client has a bond but needs to increase coverage.  He is asking....

"to meet the coverage requirement does it matter if I have 2 bonds that in total meet or exceed the coverage requirement?"

I don't see a problem... but thought I would ask

I would ask the insurance company.  Are the polices consecutive or concurrent?

He is asking if he can have 2 concurrent policies that add up to the bond requirement.

Is it the insurance person asking?

I don't know the intricacies of these things.  I could picture (rightly or wrongly) that each bond could say it covers the first $x of a loss.  So if you have two $20,000 bonds that say that, and you incur a $30,000 loss, might only $20k really be covered?

And why get two bonds?  I'm sure one for the entire amount would be cheaper than two smaller ones...

The plan sponsor is asking...  and as I read his email closely he's got to be off with his thoughts.  Full disclosure, I think he is asking a hypothetical question.  He feels he has a good price for the bond from Hartford and is worried they won't go any higher.  IDK why they wouldn't.  I'm going to tell him he just needs to have one bond... just keep it simple.

sorry to waste any time.