HUB International vs 
Marsh McLennan Agency: How Do They Compare for Surety Bonds?
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 5,6
What Are Surety Bonds?
A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. 8,9,10,11,12
What Are the Key Differences Between HUB International and Marsh McLennan Agency Surety Bonds?
Construction Bond Forms and Qualification
HUB describes bid bonds for a bid submission, performance bonds for completing a project, and payment bonds for paying subcontractors, laborers, and suppliers. It says its surety specialists assess character, capacity, and capital, then guide applicants through documentation. MMA names contract surety and commercial license-and-permit programs for organizations of varying sizes, but does not describe a comparable qualification framework. If you are assembling a construction application, HUB’s stated criteria help you anticipate financial and operational records to prepare; ask MMA what its market needs for the same project. 4 7
Commercial Obligations and Specialist Contact
HUB also describes commercial surety bonds used by government entities, financial institutions, and private companies to guard against fraud, theft, or illegal conduct. MMA identifies commercial license-and-permit bonds and contract surety but does not name those other commercial obligations in its overview. The distinction matters if your bond is for a financial or regulatory obligation rather than a construction contract. Request the exact form and obligee wording from both teams. HUB says a surety specialist supports the documentation and underwriting process; MMA likewise invites a direct specialist discussion. 4 7
What Should You Confirm in HUB International and Marsh McLennan Agency Surety Bonds Quotes?
HUB International and Marsh McLennan Agency Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsMarsh McLennan Agency Review Score
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsHUB International vs Marsh McLennan Agency Surety Bonds Compared
HUB International vs Marsh McLennan Agency: Surety Bonds: documented features by provider
| Criteria | HUB International Surety Bonds Brokerage | Marsh McLennan Agency surety bonds (official overview) |
|---|---|---|
| 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. 4Company-reported. Surety bonds product page as read 2026-09-23. | Marsh McLennan Agency describes arranging surety bonds for the audience stated on the cited product page. 7Company-reported. surety bonds marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The surety bonds page does not name a specific surety company; HUB places bonds with sureties that vary by client and bond type. 4Not found in reviewed sources. Checked the surety bonds page on 2026-09-23; no surety company is disclosed there. | Confirm in your quote. |
| 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. 4Company-reported. Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision. | Organizations of varying sizes; source describes contract surety and commercial programs, including license and permit bonds. 7Company-reported. surety bonds marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | 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. 4Company-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. 4Company-reported. Product-page commercial-surety description. | The cited product page describes contract surety and commercial license-and-permit bonds, with the source describing customized support for complex risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. surety bonds marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | 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. 4Company-reported. Product-page application description as read 2026-09-23. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. surety bonds marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Related Pages for HUB International vs Marsh McLennan Agency
Surety Bonds Pages for HUB International and Marsh McLennan Agency
Other Coverage Lines Compared for HUB International vs Marsh McLennan Agency
Other Surety Bonds Provider Comparisons
Sources for HUB International vs Marsh McLennan Agency Surety Bonds
Sources About 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.
Sources About Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Surety Bonds to Mitigate Company Risk | MMA. Marsh McLennan Agency; Contract surety and commercial surety sections; contract terms and commercial license/permit bonds. Accessed 2026-09-30.
Sources for the 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.
- 40 U.S. Code § 3131 — Bonds of contractors of public buildings or works. Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
- Surety Bonds. Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
- Surety Bonds Insurance. Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance? Accessed 2026-09-16.
