---
title: "Lockton vs Zurich U.S.: Surety Bonds"
description: "Lockton analyzes financial statements, backlog, peer benchmarks, project trends, and safety records for surety clients; Zurich offers Surety Express for bond booking and renewals."
canonical: "https://spot.insure/compare/lockton-vs-zurich/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "lockton-vs-zurich"
provider-a: "lockton"
provider-b: "zurich"
coverage-line: "surety-bonds"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-zurich/surety-bonds)

## Agent Guide

**What this page is:** Focused comparison of Lockton and Zurich U.S. 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 Lockton versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Zurich U.S. for Surety Bonds: how do they differ?
- Which is better for Surety Bonds, Lockton or Zurich U.S.?
- What does Lockton or Zurich U.S. publish about Surety Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Surety Bonds from Lockton or Zurich U.S.?

**Key facts:**
- Line: Surety Bonds. Providers: Lockton and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Lockton vs Zurich U.S.](https://spot.insure/compare/lockton-vs-zurich) — parent: all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Lockton vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/lockton-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Crime Insurance](https://spot.insure/compare/lockton-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/lockton-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. D&O Insurance](https://spot.insure/compare/lockton-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Surety Bonds](https://spot.insure/compare/baldwin-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Zurich U.S. Surety Bonds](https://spot.insure/compare/baldwin-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Lockton Surety Bonds](https://spot.insure/compare/chubb-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Zurich U.S. Surety Bonds](https://spot.insure/compare/chubb-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Zurich U.S. Surety Bonds](https://spot.insure/compare/cna-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Lockton vs Zurich U.S.: How Do They Compare for Surety Bonds?

Lockton analyzes financial statements, backlog, peer benchmarks, project trends, and safety records for surety clients; Zurich offers Surety Express for bond booking and renewals.

## Research Scope and Use

Use this comparison to evaluate Lockton and Zurich U.S. 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

Lockton brokers surety and provides financial, backlog, peer, project, and safety analyses. Zurich describes contract and commercial surety and offers tools to book and manage bonds. [4](https://global.lockton.com/us/en/surety "Surety") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [10](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [11](https://www.chubb.com/us-en/surety.html "Surety Bonds") [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## 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](https://global.lockton.com/us/en/surety "Surety") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

### 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](https://global.lockton.com/us/en/surety "Surety") [4](https://global.lockton.com/us/en/surety "Surety") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

## What to Confirm in Surety Bonds Quotes

- Ask Lockton what financial, backlog, and safety records it needs and which surety will issue the bond; ask Zurich for its capacity requirements and Surety Express workflow. [4](https://global.lockton.com/us/en/surety "Surety") [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich")

## Offering Details

| 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. [4](https://global.lockton.com/us/en/surety "Surety") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/surety "Surety") (Evidence: Not publicly disclosed; scope: 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. [4](https://global.lockton.com/us/en/surety "Surety") (Evidence: Company-reported; scope: 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. [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: 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. [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/surety "Surety") (Evidence: Company-reported; scope: 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. [7](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") (Evidence: Company-reported; scope: 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

- [Lockton vs Zurich U.S.](https://spot.insure/compare/lockton-vs-zurich): 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.
- [Lockton vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/lockton-vs-zurich/commercial-property)
- [Lockton vs Zurich U.S. Crime Insurance](https://spot.insure/compare/lockton-vs-zurich/crime)
- [Lockton vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/lockton-vs-zurich/cyber)
- [Lockton vs Zurich U.S. D&O Insurance](https://spot.insure/compare/lockton-vs-zurich/directors-officers)
- [Lockton vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-zurich/employment-practices)
- [The Baldwin Group vs Lockton Surety Bonds](https://spot.insure/compare/baldwin-vs-lockton/surety-bonds)
- [The Baldwin Group vs Zurich U.S. Surety Bonds](https://spot.insure/compare/baldwin-vs-zurich/surety-bonds)
- [Chubb vs Lockton Surety Bonds](https://spot.insure/compare/chubb-vs-lockton/surety-bonds)
- [Chubb vs Zurich U.S. Surety Bonds](https://spot.insure/compare/chubb-vs-zurich/surety-bonds)
- [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds)
- [CNA vs Zurich U.S. Surety Bonds](https://spot.insure/compare/cna-vs-zurich/surety-bonds)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/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.
3. [US Terms of Business](https://global.lockton.com/us/en/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.
4. [Surety](https://global.lockton.com/us/en/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.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.

### Surety Bonds Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
9. [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.
10. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). 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.
11. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
12. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). 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.

Updated 2026-09-30. 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.

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-zurich/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)