---
title: "HUB International vs Marsh: Surety Bonds"
description: "HUB adds international surety, nationwide license bonds and letter-of-credit alternatives to contract and commercial bonds; Marsh MMA reports a 150-plus-person practice serving all 50 states."
canonical: "https://spot.insure/compare/hub-international-vs-marsh/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-marsh"
provider-a: "hub-international"
provider-b: "marsh"
coverage-line: "surety-bonds"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Marsh for Surety Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Surety Bonds questions about HUB International versus Marsh. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Marsh for Surety Bonds: how do they differ?
- Which is better for Surety Bonds, HUB International or Marsh?
- What does HUB International or Marsh publish about Surety Bonds (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Surety Bonds. Providers: HUB International and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) — all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

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

Marsh describes contract, commercial, and international surety services through its middle-market agency; HUB International brokers bonds and guides applicants through underwriting.

HUB covers contract and commercial bonds plus international placements; Marsh MMA reports a 150-plus-specialist, 50-state surety practice.

## HUB International vs Marsh Surety Bonds Summary

HUB adds international surety, nationwide license bonds and letter-of-credit alternatives to contract and commercial bonds; Marsh MMA reports a 150-plus-person practice serving all 50 states. [1](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

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

### International and Letter-of-Credit Needs

HUB lists bid, performance and payment bonds and commercial surety for fraud, theft or illegal-conduct exposures. Marsh MMA adds contract surety, nationwide license and permit bonds, letter-of-credit alternatives and international surety for operations facing foreign requirements. [1](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") Choose HUB if you need a named contract bond or commercial surety; choose Marsh MMA if you need international placements or to explore replacing a letter of credit.

### 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. [1](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [2](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. [1](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

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

- Ask HUB whether the need is contract or commercial and how the three C's file will be built. [1](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. [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")
- Get the issuing surety from both. [1](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")
- Confirm penal sum, rate and indemnity; neither page publishes them. [1](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk")

## HUB International vs Marsh Surety Bonds Compared

| Criteria | HUB International Surety Bonds Brokerage | Marsh McLennan Agency Surety Bonds |
| --- | --- | --- |
| 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. [1](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. [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page..) |
| 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. [1](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. [1](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. [2](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..) |
| 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. [1](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. [2](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk") (Evidence: Company-reported; scope: MMA surety insurance page..) |

## About HUB International and Marsh and Surety Bonds

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds)

## Related Pages for HUB International vs Marsh Surety Bonds

- [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 a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [HUB International Surety Bonds](https://spot.insure/insurance-providers/hub-international/surety-bonds)
- [Marsh Surety Bonds](https://spot.insure/insurance-providers/marsh/surety-bonds)

## Sources for HUB International vs Marsh Surety Bonds

### Sources About HUB International

1. [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.

### Sources About Marsh

2. [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.

Updated 2026-09-25. 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/hub-international-vs-marsh/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)