What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 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. 6,7
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. 9,10,11,12,13
Key Differences in Surety Bonds
Bond Types and Underwriting Role
Travelers underwrites both commercial and contract surety and lists bid, performance, payment, court, customs, ERISA fidelity, license, notary, utility, and other bonds. Zurich’s contract list includes bid, performance, labor and material payment, subcontract, maintenance, supply, and environmental bonds. For a less common obligation such as customs or probate, ask both for the exact form and underwriting entity. 4 4 8
Application and Capacity
Travelers directs buyers to an insurance agent and does not publish bond-amount limits or rates. Zurich describes Surety Express for new bonds, renewals, and modifications, but also does not state capacity figures in the reviewed record. Confirm the bond amount, issuing company, indemnity, and turnaround with the agent or portal team before a contract deadline. 4 4 8
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.
Travelers
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers 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
Travelers vs Zurich U.S.: Surety Bonds: documented features by provider
| Criteria | Travelers Surety Bonds | Zurich Contract and Commercial Surety Bonds |
|---|---|---|
| Role in This Line | Travelers underwrites surety bonds directly through two practices, commercial surety and contract surety, rather than only brokering bonds written by other sureties. 4Company-reported. Surety-bond product page, as read on 2026-09-23. | Confirm in your quote. |
| Issuing Insurer | The reviewed surety-bond page does not name the specific underwriting entity for a bond; Travelers' related professional-liability pages attribute management and professional liability products to Travelers Casualty and Surety Company of America and its property-casualty affiliates, but that page does not cover surety. 4Not publicly disclosed. Surety-bond page as read on 2026-09-23; the entity named elsewhere is not confirmed as the surety issuer. | Confirm in your quote. |
| Who It’s For | Travelers says commercial surety serves both individuals and businesses ranging from small companies to multinational companies, while contract surety is supported by underwriters focused on construction industry risk. 4Company-reported. Commercial surety and contract surety descriptions on the surety-bond page. | Zurich describes contract surety for contractors from small firms to ENR 400 and commercial surety for Fortune 2000/regional companies and qualified transactional buyers. 8Company-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 | Travelers lists bond types including bid, performance and payment bonds, construction materials supply bonds, court bonds (judicial, fiduciary and probate), custom bonds, depository bonds, ERISA fidelity bonds, license and permit bonds, lost instrument bonds, miscellaneous bonds, notary public bonds, official bonds, release of lien bonds and utility bonds. 4Company-reported. Bond-type list on the surety-bond page; a given bond type's terms and availability are underwriting-specific. | Zurich contract surety includes bid, performance, labor/material payment, subcontract, subdivision, maintenance, supply, license/permit and environmental bonds. 8Company-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. |
| Limits and Retentions | The reviewed surety-bond page does not publish bond-amount limits, premium rates or underwriting capacity figures. 4Not publicly disclosed. Surety-bond page as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | Travelers directs buyers to find an insurance agent to obtain a surety bond, and separately tells agents that surety bond application forms are in its agent forms library alongside management and professional liability applications. 4,5Company-reported. Surety-bond page CTA and the E&O page's agent-forms link. | Surety Express lets users book new bonds, view renewals and modify existing bonds; Zurich also provides a bond validator. 8Company-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 Travelers vs Zurich U.S. Comparisons
Other Surety Bonds Comparisons
Sources
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Surety Bond. Travelers; Surety bonds provided by Travelers: bid, performance and payment, construction materials supply, court, custom, depository, ERISA fidelity, license and permit, lost instrument, miscellaneous, notary public, official, release of lien, utilities; Commercial surety; Contract surety. Accessed 2026-09-23.
- Errors and Omissions Insurance (E&O). Travelers; Applications and forms for agents: surety bond forms library. 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.
