---
title: "HUB International vs Marsh Surety Bonds"
description: "HUB uses the three C's and contract plus commercial forms; Marsh McLennan Agency adds international surety and a 50-state specialist bench."
canonical: "https://spot.insure/compare/hub-international-vs-marsh/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs Marsh Surety Bonds

HUB uses the three C's and contract plus commercial forms; Marsh McLennan Agency adds international surety and a 50-state specialist bench.

## Research Scope and Use

Use this comparison to evaluate HUB International and Marsh 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

HUB brokers bid, performance, payment and commercial surety and describes character, capacity and capital underwriting. Marsh McLennan Agency arranges contract, commercial and international surety through more than 150 professionals across all 50 states. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

## 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. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

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

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [5](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds")

## Key Differences in Surety Bonds

### Commercial Surety for Fraud Risk Versus International Surety

HUB and Marsh McLennan Agency both arrange bonds. HUB's commercial surety section says government entities, financial institutions and private corporations use those bonds to guard against fraud, theft or illegal conduct, alongside contract bid, performance and payment. MMA lists contract surety, commercial surety for nationwide license and permit bonds in lieu of or alongside letters of credit, and international surety for global operations. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

### Three C's File Versus a Named National Bench

HUB describes character, capacity and capital, with a specialist guiding documentation. MMA reports more than 150 surety professionals in all 50 states, $353 million in premium for nearly 10,000 clients, and company-reported access to markets that write 95% of U.S. contract bonds. MMA also lists indemnity negotiation, joint-venture prequalification and continuity consulting. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

### How You Engage Each Practice

HUB positions the surety specialist as central to getting bonded. MMA names a Surety Department Supervisor and describes advisor-led placement rather than an online application. Neither page names the issuing surety. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

## What to Confirm in Surety Bonds Quotes

- Ask HUB whether the need is contract or commercial and how the three C's file will be built. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")
- Ask MMA whether international surety or joint-venture prequalification applies. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")
- Get the issuing surety from both. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")
- Confirm penal sum, rate and indemnity; neither page publishes them. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

## Offering Details

| Criteria | HUB International Surety Bonds Brokerage | Marsh McLennan Agency Surety Bonds |
| --- | --- | --- |
| 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. [4](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..) | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, arranges surety bonds through a dedicated surety practice rather than underwriting them itself. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page..) |
| 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. [4](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..) | The reviewed page does not name a specific surety insurer for a standard bond; MMA says it offers national market representation, implying the issuing surety varies by placement. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Not publicly disclosed; scope: MMA surety insurance page as read on 2026-09-23..) |
| 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. [4](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..) | Not described in the reviewed sources. |
| 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. [4](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. [4](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..) | MMA offers Contract Surety for construction and similar projects, Commercial Surety issuing license and permit bonds nationwide (in lieu of or alongside letters of credit and other banking obligations), and International Surety for global operations facing varied regulatory requirements. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page, Surety Coverage section..) |
| Limits and Retentions | Not described in the reviewed sources. | MMA says it has more than 150 surety professionals across all 50 states, placed $353 million in surety premium for nearly 10,000 clients, and that its markets write 95% of all contract bonds in the U.S., according to the company. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page; company-reported statistics, not independently verified, and do not indicate bond size or capacity for an individual client..) |
| Risk Services | Not described in the reviewed sources. | MMA lists competitive indemnity package negotiation, industry benchmarking, joint-venture and teaming-agreement prequalification support, continuity and ownership-transfer consulting, and competitive program design review as services tied to its surety practice. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page, Benefits of Surety and Surety Coverage sections..) |
| 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. [4](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..) | You work with an MMA surety specialist directly; the page names a Surety Department Supervisor and describes advisor-led placement rather than an online bond application. [9](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page..) |

## Full Comparison

- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh): 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.
- [HUB International vs Marsh Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh/builders-risk)
- [HUB International vs Marsh Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh/commercial-property)
- [HUB International vs Marsh Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh/crime)
- [HUB International vs Marsh Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh/cyber)
- [HUB International vs Marsh D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/directors-officers)
- [HUB International vs Marsh Employee Health Benefits](https://spot.insure/compare/hub-international-vs-marsh/employee-health-benefits)
- [HUB International vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/employment-practices)
- [HUB International vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-marsh/equipment-breakdown)
- [HUB International vs Marsh Fidelity Bonds](https://spot.insure/compare/hub-international-vs-marsh/fidelity-bonds)
- [HUB International vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/fiduciary)
- [HUB International vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh/kidnap-ransom)
- [HUB International vs Marsh Management Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/management-liability)
- [HUB International vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-marsh/professional-errors-omissions)
- [HUB International vs Marsh Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/technology-errors-omissions)
- [HUB International vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-marsh/workers-compensation)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds)
- [Chubb vs Marsh Surety Bonds](https://spot.insure/compare/chubb-vs-marsh/surety-bonds)
- [Coverdash vs HUB International Surety Bonds](https://spot.insure/compare/coverdash-vs-hub-international/surety-bonds)
- [Coverdash vs Marsh Surety Bonds](https://spot.insure/compare/coverdash-vs-marsh/surety-bonds)
- [Embroker vs HUB International Surety Bonds](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds)
- [Embroker vs Marsh Surety Bonds](https://spot.insure/compare/embroker-vs-marsh/surety-bonds)

## Sources

### HUB International

1. [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.
2. [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.
3. [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.
4. [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.

### Marsh

5. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
6. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
7. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
8. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
9. [Surety Bonds to Mitigate Company Risk](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening positioning and stats (150+ surety professionals across all 50 states; $353 million in surety premium for nearly 10,000 clients; 95% of all contract bonds in the U.S. written in our markets); Surety Coverage: Contract Surety, Commercial Surety, Joint ventures and teaming agreements, International Surety; Benefits of Surety. Accessed 2026-09-23.

### Surety Bonds Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
11. [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.

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- [Markdown page](https://spot.insure/compare/hub-international-vs-marsh/surety-bonds.md)
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