---
title: "Embroker vs HUB International Surety Bonds"
description: "Embroker lists construction bond types and credit-band premiums; HUB brokers bid, performance, payment and commercial surety using three-C underwriting with a specialist."
canonical: "https://spot.insure/compare/embroker-vs-hub-international/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds)

# Embroker vs HUB International Surety Bonds

Embroker lists construction bond types and credit-band premiums; HUB brokers bid, performance, payment and commercial surety using three-C underwriting with a specialist.

## Research Scope and Use

Use this comparison to evaluate Embroker and HUB International for Surety Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Embroker helps obtain a set of construction bonds and shows example rates by credit score. HUB arranges bid, performance, payment and other contract bonds plus commercial surety, and evaluates character, capacity and capital with a surety specialist. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

## What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds")

## Key Differences in Surety Bonds

### Construction Types Versus HUB’s Contract-Plus-Commercial Split

Embroker and HUB both broker surety. Embroker lists contractor license, bid, performance, payment, maintenance, utility, supply and subdivision bonds. HUB describes bid, performance and payment bonds plus wage, warranty, maintenance and lien-release bonds, and commercial surety mainly required by governments, banks and corporations against fraud, theft or illegal conduct. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

Utility, supply and subdivision sit on Embroker’s construction list. Wage, warranty and lien-release sit on HUB’s contract list. Both name bid, performance, payment and maintenance. Embroker stresses the bond protects the obligee, not the contractor; HUB explains the principal–obligee–surety triangle the same way. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

### Credit Percentage Examples Versus Three C’s

Embroker prices mainly on credit score, with 1–5% versus up to 20% illustrations. HUB underwrites through character, capacity and capital, with a specialist assembling documents; the surety makes the final decision. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

Embroker’s reviewed page does not name a surety. HUB’s reviewed page does not either. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

### Platform Versus Specialist File

Embroker: specify bond type and amount, quote on the platform, and expect developers may also want GL, property and workers’ compensation. HUB: work with a surety specialist on the underwriting file rather than a described self-serve construction catalogue. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

## What to Confirm in Surety Bonds Quotes

- Align Embroker subdivision/utility/supply forms with HUB wage/warranty/lien-release forms against the obligee’s request. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")
- Ask HUB how the three C’s apply; treat Embroker’s percentages as examples. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost")
- Confirm whether commercial surety (HUB) or contractor license (Embroker) matches a non-construction obligee. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost")
- Get issuing surety and penal sum from both. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

## Offering Details

| Criteria | Embroker Surety Bonds | HUB International Surety Bonds Brokerage |
| --- | --- | --- |
| Role in This Line | Embroker arranges surety bonds, describing itself as the party helping the business (the principal) secure a bond backed financially by a surety, for an obligee that is typically a government agency. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page description; not a statement about which surety company backs a specific bond..) | 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. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Not found in reviewed sources; scope: Checked the surety bonds page on 2026-09-23; no surety company is disclosed there..) |
| Who It’s For | Embroker frames surety bonds as most commonly needed in construction, required at the state, county or city level before a contractor can work on a project, but says they matter in other industries too. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'Who are Surety Bonds for?' and 'What Is a Construction Bond?' sections; not a guarantee of bond issuance for a particular applicant..) | 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. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision..) |
| Coverage Features | Embroker lists contractor license, bid, construction performance, payment, maintenance, utility, supply and subdivision bonds as construction bond types it can help obtain, and explains that a bond protects the obligee, not the contractor who purchased it. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'Types of Construction Bonds' and 'What Do They Cover?' sections; specific bond terms depend on the bond issued..)<br><br>Embroker says surety bonds are not insurance and do not cover the purchasing business's own losses, so a bonded contractor still needs separate general liability, commercial property and workers' compensation insurance to protect itself. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page What's Not Covered section..) | 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. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page bond-type descriptions; the issued bond and its terms control an actual claim..)<br><br>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. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page commercial-surety description..) |
| Limits and Retentions | Embroker says surety pricing is based mainly on the applicant's credit score, with a company with excellent credit typically paying 1-5% of the bond amount versus up to 20% for a company with poor credit; it gives a $50,000 bond as an example costing $500-$2,500 for good credit versus up to $10,000 for poor credit. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'What Do They Cost?' section; actual bond premiums depend on underwriting..) | Not described in the reviewed sources. |
| How to Apply | Embroker directs applicants to identify the specific bond type and bonding amount needed, then get a quote through its platform; it says most developers will also require proof of general liability, commercial property and workers' compensation insurance before hiring a bonded contractor. [4](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'How to Secure a Construction Surety Bond' and 'What's Not Covered' sections; no quote was requested during this research..) | 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. [8](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page application description as read 2026-09-23..) |

## Full Comparison

- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees an obligation your business owes to a customer or other party if your business defaults.
- [Embroker vs HUB International Business Owner’s Policy](https://spot.insure/compare/embroker-vs-hub-international/business-owners-policy)
- [Embroker vs HUB International Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-auto)
- [Embroker vs HUB International Commercial Property Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-property)
- [Embroker vs HUB International Crime Insurance](https://spot.insure/compare/embroker-vs-hub-international/crime)
- [Embroker vs HUB International Cyber Insurance](https://spot.insure/compare/embroker-vs-hub-international/cyber)
- [Embroker vs HUB International D&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/directors-officers)
- [Embroker vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/employment-practices)
- [Embroker vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/fiduciary)
- [Embroker vs HUB International General Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/general-liability)
- [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person)
- [Embroker vs HUB International Management Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/management-liability)
- [Embroker vs HUB International Product Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/product-liability)
- [Embroker vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-hub-international/professional-errors-omissions)
- [Embroker vs HUB International Tech E&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/technology-errors-omissions)
- [Embroker vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-hub-international/workers-compensation)
- [Chubb vs Embroker Surety Bonds](https://spot.insure/compare/chubb-vs-embroker/surety-bonds)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds)
- [Coverdash vs Embroker Surety Bonds](https://spot.insure/compare/coverdash-vs-embroker/surety-bonds)
- [Coverdash vs HUB International Surety Bonds](https://spot.insure/compare/coverdash-vs-hub-international/surety-bonds)
- [Embroker vs Gallagher Surety Bonds](https://spot.insure/compare/embroker-vs-gallagher/surety-bonds)
- [Embroker vs Harper Surety Bonds](https://spot.insure/compare/embroker-vs-harper/surety-bonds)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Construction Bonds: Surety Bond Types & Cost](https://www.embroker.com/coverage/surety-bonds/). Embroker; What are they?; What Is a Construction Bond?; Types of Construction Bonds; Who are Surety Bonds for?; What Do They Cover?; What's Not Covered?; What Do They Cost?. Accessed 2026-09-23.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
8. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). 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

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
10. [Surety bonds](https://www.sba.gov/funding-programs/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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)