Chubb vs 
HUB International Surety Bonds
Chubb underwrites surety with a Treasury listing and Marketplace; HUB brokers contract and commercial bonds using the three C’s of underwriting.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 5,6,7
What Are Surety Bonds?
A surety bond is a three-party agreement: a surety guarantees an obligation your business (the principal) owes to a customer or other party (the obligee) if your business defaults. It isn't insurance that pays your business for its own losses. 9,10
Key Differences in Surety Bonds
Surety Company Versus Intermediary
Chubb underwrites surety bonds directly. HUB brokers surety bonds, acting as an intermediary between the contractor (principal), the obligee and the insurance company guaranteeing performance, rather than acting as the surety itself. HUB’s page does not name a specific surety company. 4 8
Product Lines Versus the Three C’s
Chubb’s products span construction, commercial, transactional and international surety, with Surety Marketplace for transactional bonds. HUB describes contract surety as bid, performance and payment bonds plus wage, warranty, maintenance and lien-release bonds, and also arranges commercial surety required primarily by government entities, financial institutions and private corporations. HUB underwrites bond eligibility around character, capacity and capital, and says a surety specialist guides documentation; the surety, not HUB, makes the final bonding decision. 4 8
Capacity and Claims Contacts
Chubb reports a $2.289 billion aggregate Treasury listing as of August 2026, capabilities in more than 45 countries, and published instructions for submitting a surety claim by email or mail. HUB’s reviewed page does not publish a comparable Treasury figure or claim-filing addresses. 4 8
What to Confirm in Surety Bonds Quotes
Offering Details
Chubb vs HUB International Surety Bonds: documented features by provider
| Criteria | Chubb Surety Bonds | HUB International Surety Bonds Brokerage |
|---|---|---|
| Role in This Line | Chubb underwrites surety bonds directly and says it has written bonds for more than 140 years, describing itself as the 5th largest surety provider in the U.S. 4Company-reported. Surety Bonds product page introduction; company-reported ranking, not independently verified. | HUB brokers surety bonds, acting as an intermediary between the contractor buying the bond (principal), the party requiring it (obligee) and the insurance company guaranteeing performance (surety), rather than acting as the surety itself. 8Company-reported. Surety bonds product page as read 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | The surety bonds page does not name a specific surety company; HUB places bonds with sureties that vary by client and bond type. 8Not found in reviewed sources. Checked the surety bonds page on 2026-09-23; no surety company is disclosed there. |
| Who It’s For | Chubb positions Commercial Surety Bonds for highly rated public and private companies, while Transactional Surety Bonds target commercial businesses and individuals with small or infrequent surety needs. 4Company-reported. Products & Services list. | HUB underwrites bond eligibility around what it calls the three C's: character (credit record and business integrity), capacity (skills, experience, equipment and facilities), and capital (financial strength for project costs), and says a surety specialist guides applicants through the required documentation. 8Company-reported. Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision. |
| Coverage Features | Chubb's surety products span Construction Surety Bonds (performance, payment, maintenance, supply and install, service bonds), Commercial Surety Bonds (license and permit, court, commercial contract, reclamation, customs and workers' compensation bonds) for highly rated public and private companies, Transactional Surety Bonds for smaller or infrequent needs, and International Surety Bonds. 4Company-reported. Products & Services list; subject to underwriting. | HUB describes contract surety bonds it arranges as including bid bonds that secure a bid submission, performance bonds that guarantee a project is completed per contract, and payment bonds that guarantee subcontractors, laborers and suppliers are paid, plus other bond types such as wage, warranty, maintenance and lien-release bonds. 8Company-reported. Product-page bond-type descriptions; the issued bond and its terms control an actual claim. HUB also arranges commercial surety bonds, which it says are primarily required by government entities, financial institutions and private corporations to guard against fraud, theft or illegal conduct. 8Company-reported. Product-page commercial-surety description. |
| Limits and Retentions | Chubb reports a $2.289 billion aggregate Treasury (T-listing) as of August 2026, and says it has surety capabilities in more than 45 countries and territories. 4Company-reported. Surety Bonds product page introduction stats. | Not described in the reviewed sources. |
| How to Apply | Chubb offers Chubb Surety Marketplace, an online platform for Transactional Surety Bonds, in addition to placement through appointed agents and brokers for its other surety products. 4Company-reported. Transactional Surety Bonds description. | HUB says a surety specialist works with applicants on the documentation and underwriting process needed to obtain a bond, positioning the broker relationship as central to getting bonded. 8Company-reported. Product-page application description as read 2026-09-23. |
| Claims Support | Chubb publishes instructions for submitting a surety claim by email or mail and offers a dedicated email and phone line to verify the authenticity of a Chubb surety bond. 4Company-reported. Surety Claims Resources section and FAQ. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs HUB International Comparisons
Other Surety Bonds Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Surety Bonds. Chubb; Introduction stats (140+ years, 5th largest U.S. surety provider, $2.289 billion aggregate T-listing as of August 2026, 45+ countries); Products & Services list: Construction, Commercial, Transactional, International Surety Bonds; Surety Claims section. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Surety Bonds and Surety Bond Insurance for Businesses. HUB International; What is a surety bond?; three-party structure (principal, obligee, surety); Types of surety bonds: bid, performance, payment and other contract surety bonds; Commercial Surety section; Three C's of underwriting: Character, Capacity, Capital; What Do You Need to Get a Surety Bond? Accessed 2026-09-23.
Surety Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
- Surety bonds. U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
