--- title: "HUB International vs USI Insurance Services Surety Bonds" description: "HUB lists contract and commercial forms and the three C's; USI lists construction programs, SDI and how it submits the surety file." canonical: "https://spot.insure/compare/hub-international-vs-usi/surety-bonds" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-usi/surety-bonds) # HUB International vs USI Insurance Services Surety Bonds HUB lists contract and commercial forms and the three C's; USI lists construction programs, SDI and how it submits the surety file. ## Research Scope and Use Use this comparison to evaluate HUB International and USI Insurance Services 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. USI's surety practice serves construction contractors and lists bid, performance, payment, commercial surety and subcontractor default insurance. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") ## 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 USI Insurance Services? USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## 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. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") ## Key Differences in Surety Bonds ### Contract and Commercial Products Each Names HUB and USI both broker. HUB lists bid, performance and payment plus wage, warranty, maintenance and lien-release, and commercial surety for government, banks and private corporations. USI lists bid, domestic and international performance and payment, established surety programs, commercial surety and financial obligations, and subcontractor default insurance. HUB's reviewed page does not name SDI; USI's does. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") ### How Each Frames Who Can Get Bonded HUB describes eligibility through character, capacity and capital, and says a surety specialist guides the required documentation. USI describes who it has served: general contractors, trade contractors, highway and heavy projects, construction managers, developers and design-builders, and says the network also has experience outside construction. Both are statements about who the surety file is for, not a published underwriting grid. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") ### How the File Reaches the Surety HUB says a surety specialist works with you on documentation and underwriting. USI describes a proprietary submission that packages underwriting and operations with USI's analysis, then points you to a published email or a local office. Neither page names the issuing surety. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") ## What to Confirm in Surety Bonds Quotes - Ask HUB whether the need is contract or commercial and how the three C's will be filed. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") - Ask USI whether you need SDI, an established program or international performance paper. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") - Get the issuing surety from both. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") - Confirm penal sum and rate; HUB publishes none, and USI cites account case studies rather than a general table. [4](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") ## Offering Details | Criteria | HUB International Surety Bonds Brokerage | USI Surety Bond — Contract, Commercial and International Surety | | --- | --- | --- | | 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..) | USI is a surety bond broker, not a surety. It says it is one of the leading domestic and international surety brokers and negotiates bonding capacity and terms with surety underwriters on a client's behalf. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Surety Bond practice 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..) | USI does not name surety companies on its practice page; it describes placing bonds through its surety-market relationships rather than a fixed panel. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Not publicly disclosed; scope: 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..) | USI says its surety practice has a long history serving general contractors, trade contractors, highway/heavy construction projects, construction managers, developers and design-builders in the public and private sectors, and that its surety network also has experience outside construction. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Company description of client base..) | | 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..)

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..) | USI lists bid bonds, performance and payment bonds (domestic and international), established surety programs, commercial surety and financial obligations, and subcontractor default insurance among its construction and surety products. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Practice page product list; actual bond forms and terms are set by the surety and obligee..) | | Limits and Retentions | Not described in the reviewed sources. | USI does not publish standard bonding-capacity figures; it cites individual case studies (a general contractor's bonding limits supporting a $10,000,000 revenue increase, and a mechanical contractor whose surety line supported $110,000,000 in revenue) rather than a general limit range. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Not publicly disclosed; scope: Case-study figures on the page are specific to those named accounts, not a published capacity table..) | | Risk Services | Not described in the reviewed sources. | USI describes a proprietary bond submission process that summarizes a client's underwriting and operational information alongside its own analysis and recommendations, and says its surety professionals help clients present their financials to the surety market and negotiate terms. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Company description of its submission methodology..) | | 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..) | USI directs contractors and other prospective surety clients to email pcinquiries@usi.com or contact a local USI office. [8](https://www.usi.com/property-casualty/surety-bond/ "Surety Bond-Contract, Commercial and International Surety Bonds") (Evidence: Company-reported; scope: Contact instructions on the Surety Bond practice page..) | ## Full Comparison - [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi): 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 USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-usi/commercial-property) - [HUB International vs USI Insurance Services Crime Insurance](https://spot.insure/compare/hub-international-vs-usi/crime) - [HUB International vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/hub-international-vs-usi/cyber) - [HUB International vs USI Insurance Services D&O Insurance](https://spot.insure/compare/hub-international-vs-usi/directors-officers) - [HUB International vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/hub-international-vs-usi/employee-health-benefits) - [HUB International vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/employment-practices) - [HUB International vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/fiduciary) - [HUB International vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/management-liability) - [HUB International vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-usi/medical-malpractice) - [HUB International vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-usi/professional-errors-omissions) - [HUB International vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-usi/representations-warranties) - [HUB International vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-usi/workers-compensation) - [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds) - [Chubb vs USI Insurance Services Surety Bonds](https://spot.insure/compare/chubb-vs-usi/surety-bonds) - [Coverdash vs HUB International Surety Bonds](https://spot.insure/compare/coverdash-vs-hub-international/surety-bonds) - [Coverdash vs USI Insurance Services Surety Bonds](https://spot.insure/compare/coverdash-vs-usi/surety-bonds) - [Embroker vs HUB International Surety Bonds](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds) - [Embroker vs USI Insurance Services Surety Bonds](https://spot.insure/compare/embroker-vs-usi/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. ### USI Insurance Services 5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 8. [Surety Bond-Contract, Commercial and International Surety Bonds](https://www.usi.com/property-casualty/surety-bond/). USI Insurance Services; USI's Surety team provides a full suite of surety bond services...Contract, Commercial and International Surety solutions; long history...providing substantial surety credit in the construction industry; USI's proprietary bond submission process; USI's construction and surety products include: Bid Bonds, Performance & Payment Bonds..., Establish Surety Programs, Commercial Surety and Financial Obligations, Subcontractor Default Insurance (SDI); CASE STUDY: 50% Revenue Increase; CASE STUDY: $110,000,000 in Revenues. Accessed 2026-09-23. ### Surety Bonds Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16. 10. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-usi/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)