Gallagher vs HUB International: How Do They Compare for Surety Bonds?

Gallagher places commercial bonds such as license, court, and customs forms across several sectors; HUB International offers commercial surety for business obligations and compliance needs.

Gallagher places license, court, public official and customs bonds in commercial surety and treats contract surety as a separate related product. HUB brokers bid, performance and payment bonds and other contract forms plus commercial surety, and evaluates character, capacity and capital with a specialist. ^1,^2,³

What Are the Key Differences Between Gallagher and HUB International Surety Bonds?

Contract Surety and Commercial Surety on Each List

Gallagher and HUB both broker surety. Gallagher says it places license and permit, court, public official and customs bonds under its commercial surety practice, distinct from contract (construction) surety, which it treats as a separate related product. HUB describes the contract surety it arranges as bid, performance and payment bonds, plus wage, warranty, maintenance and lien-release bonds. ¹ ³ Choose Gallagher if you need a commercial license, court, public official, or customs bond, or letter-of-credit replacement; choose HUB if you need a bid, performance, or payment bond assembled around character, capacity, and capital.

HUB also arranges commercial surety, which it says is primarily required by government entities, financial institutions and private corporations to guard against fraud, theft or illegal conduct. Gallagher’s commercial surety practice names license and permit, court, public official and customs bonds for that commercial line. ³ ¹

How Each Describes Eligibility

Gallagher says it serves commercial surety clients across healthcare, financial services, public utilities, and private and public companies, domestic and international, and lists surety programs for small IT businesses. HUB says bond eligibility is judged on character (credit and integrity), capacity (skills, experience, equipment and facilities) and capital (financial strength), with a surety specialist guiding the required documentation. ¹ ² ³

What Should You Confirm in Gallagher and HUB International Surety Bonds Quotes?

Ask Gallagher how it would place contract surety if you need bid, performance or payment wording HUB lists on this line. ¹ ³
If the obligee wants license, court, public-official or customs wording, Gallagher names those types; ask HUB which commercial or contract form it would place. ¹ ³
Ask HUB how the three C’s apply to your file; ask Gallagher about letter-of-credit replacement if a bank holds collateral. ³ ¹
Get the issuing surety’s legal name and the penal sum from both. ¹ ³

Gallagher vs HUB International Surety Bonds Compared

Gallagher vs HUB International: Surety Bonds: documented features by provider

Criteria	Gallagher Commercial Surety Bonds	HUB International Surety Bonds Brokerage
Who It’s For	Gallagher says it serves commercial surety clients across healthcare, financial services, public utilities, and private and public companies, for both domestic and international projects, and separately lists surety bond programs as a recommended coverage for small IT and technology businesses. ^1,²Company-reported. Group-level commercial surety practice page and the small-business technology-services page.	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. ³Company-reported. Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision.
Coverage Features	Gallagher says it places license and permit bonds, court bonds, public official bonds and customs bonds under its commercial surety practice, distinct from contract (construction) surety bonds, which it treats as a separate related product. ¹Company-reported. Group-level commercial surety practice page; a service-menu description, not a specific bond's terms.	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. ³Company-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. ³Company-reported. Product-page commercial-surety description.
Role in This Line	Gallagher places commercial surety bonds as a three-party arrangement between the client (principal), the party requiring the bond (obligee) and a surety company; Gallagher brokers the bond rather than acting as the surety itself. ¹Company-reported. Group-level commercial surety practice page.	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. ³Company-reported. Surety bonds product page as read 2026-09-23.

Criteria

Gallagher Commercial Surety Bonds

HUB International Surety Bonds Brokerage

Who It’s For

Gallagher says it serves commercial surety clients across healthcare, financial services, public utilities, and private and public companies, for both domestic and international projects, and separately lists surety bond programs as a recommended coverage for small IT and technology businesses. ^1,²Company-reported. Group-level commercial surety practice page and the small-business technology-services page.

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. ³Company-reported. Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision.

Coverage Features

Gallagher says it places license and permit bonds, court bonds, public official bonds and customs bonds under its commercial surety practice, distinct from contract (construction) surety bonds, which it treats as a separate related product. ¹Company-reported. Group-level commercial surety practice page; a service-menu description, not a specific bond's terms.

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. ³Company-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. ³Company-reported. Product-page commercial-surety description.

Role in This Line

Gallagher places commercial surety bonds as a three-party arrangement between the client (principal), the party requiring the bond (obligee) and a surety company; Gallagher brokers the bond rather than acting as the surety itself. ¹Company-reported. Group-level commercial surety practice page.

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. ³Company-reported. Surety bonds product page as read 2026-09-23.