What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 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
Key Differences in Surety Bonds
Surety Advisory Work
Lockton lists financial-statement and credit analysis, weighted backlog analysis, financial and rate peer comparisons, project and composite profit trends, and safety-record review as services for its surety clients. Zurich describes contract surety for contractors from small firms through ENR 400 and commercial surety for larger companies and qualified transactional buyers. Ask how Lockton’s analysis will support your capacity request and what documentation Zurich needs for its program. 4 7
Broker Relationship and Bond Administration
Lockton brokers the surety relationship and says it represents more than 2,000 clients, but does not name the issuing surety companies. Zurich’s Surety Express lets users book new bonds, view renewals, and modify existing bonds; Zurich also provides a bond validator. Confirm the carrier or surety behind any placement and whether digital administration supports the required bond format. 4 4 7
What to Confirm in Surety Bonds Quotes
Review Scores
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.
Lockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Lockton vs Zurich U.S.: Surety Bonds: documented features by provider
| Criteria | Lockton Surety Brokerage | Zurich Contract and Commercial Surety Bonds |
|---|---|---|
| Role in This Line | 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. 4Company-reported. Surety product page as read 2026-09-23. Client count and market-size claims are company-reported. | Confirm in your quote. |
| Issuing Insurer | The surety page does not name the surety companies Lockton places bonds with. 4Not publicly disclosed. Surety page checked 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 4Company-reported. Surety product page as read 2026-09-23. No named industries or minimum bond size were published. | Zurich describes contract surety for contractors from small firms to ENR 400 and commercial surety for Fortune 2000/regional companies and qualified transactional buyers. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | Confirm in your quote. | Zurich contract surety includes bid, performance, labor/material payment, subcontract, subdivision, maintenance, supply, license/permit and environmental bonds. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | Lockton lists data-driven surety services it provides: financial statement analysis and credit rating, weighted backlog analysis, financial and rate peer comparisons and benchmarking, individual project and composite profit trend analysis, and detailed safety record review. 4Company-reported. Surety product page as read 2026-09-23. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Surety Express lets users book new bonds, view renewals and modify existing bonds; Zurich also provides a bond validator. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Full Comparison
More Lockton vs Zurich U.S. Comparisons
Other Surety Bonds Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Surety. Lockton; Disrupting surety brokerage since 1966; Consultative services; An unparalleled level of service; Data-driven solutions tools and services list. Accessed 2026-09-23.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
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.
