HUB International vs 
Lockton: How Do They Compare for Surety Bonds?
Lockton brokers bonds across industries and offers financial and backlog analysis; HUB International's surety team guides applicants through its three-C underwriting review.
HUB details contract and commercial bond forms and guides applications; Lockton emphasizes financial, backlog and peer-rate analysis without listing specific bond types. 1,2
What Are the Key Differences Between HUB International and Lockton Surety Bonds?
Bond Form Detail Versus Financial Analysis
HUB lists bid, performance, payment, wage, warranty, maintenance and lien-release contract bonds and a separate commercial surety line. Lockton’s reviewed page does not name forms but describes financial-statement, backlog, peer-rate, profit and safety analysis across more than 2,000 clients. 1 2 Choose HUB if you need a named contract or commercial bond form; choose Lockton if you want broader financial and backlog analysis.
Three C's Documentation Versus Financial and Safety Analytics
HUB says eligibility turns on character, capacity and capital, with a surety specialist guiding the file. Lockton lists financial statement analysis and credit rating, weighted backlog analysis, peer comparisons, project profit trends and safety-record review as the services around the bond. 1 2
Specialist-Led File Versus a Tailored Service Model
HUB positions the specialist relationship as central to getting bonded. Lockton says it tailors the service model to each client rather than one standard approach. Neither reviewed page names the issuing surety. 1 2
What Should You Confirm in HUB International and Lockton Surety Bonds Quotes?
- Ask HUB whether the obligee needs contract or commercial surety and how the three C's will be documented. 1
- Ask Lockton which analysis tools apply to your account and what industries it currently bonds. 2
- Get the issuing surety from both. 1 2
- Confirm penal sum, rate and indemnity; neither page publishes figures. 1 2
HUB International vs Lockton Surety Bonds Compared
HUB International vs Lockton: Surety Bonds: documented features by provider
| Criteria | HUB International Surety Bonds Brokerage | Lockton Surety Brokerage |
|---|---|---|
| Who It’s For | 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. 1Company-reported. Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision. | Lockton says it represents clients across a wide range of industries and tailors its surety service model to each client rather than a single standard approach. 2Company-reported. Surety product page as read 2026-09-23. No named industries or minimum bond size were published. |
| Role in This Line | 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. 1Company-reported. Surety bonds product page as read 2026-09-23. | Lockton Surety brokers surety bonds and says it has become one of the largest surety brokers in the world, representing more than 2,000 clients across industries. Lockton is the broker facilitating the bond relationship, not the surety. 2Company-reported. Surety product page as read 2026-09-23. Client count and market-size claims are company-reported. |
