--- title: "StartupInsurance.ai Surety Bonds" description: "What StartupInsurance.ai Surety Bonds covers, who it’s for, and how to apply, cited to public sources." canonical: "https://spot.insure/insurance-providers/startupinsurance/surety-bonds" page-type: "offering-page" 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/startupinsurance/surety-bonds) # StartupInsurance.ai Surety Bonds StartupInsurance.ai Surety Bonds StartupInsurance.ai does not underwrite or issue surety bonds itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. Surety bonds are typically issued by a surety company rather than an insurer in the conventional sense, and the reviewed pages do not distinguish the two. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [4](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not surety-specific placement terms or which entity type ultimately issues a bond.) ## Issuing Insurer - **Not publicly disclosed.** The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, issues a given company's surety bond. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Scope: Carrier panel is program-wide rather than broken out by line; the surety company behind a bond is not disclosed on the pages reviewed and varies by placement.) ## Who It’s For - The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning surety bonds as something it arranges regularly for hardware-adjacent startups, rather than as a rare add-on. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.) ## Coverage Features - StartupInsurance.ai lists "Surety" among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The page uses the word "Surety" rather than "surety bonds," and does not name a bond type. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe bond types (e.g. license, permit, performance), bond amounts, or underwriting terms.) ## Limits and Retentions - **Not found in reviewed sources.** The reviewed pages do not publish sample bond amounts, bond types, or premium rates for surety bonds. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [2](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Scope: Homepage and quote-intake screen as read on 2026-09-23; bond amounts would only surface on an actual application.) ## How to Apply - The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating surety bonds are discussed with a specialist rather than quoted through a self-serve form. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.) - **Not found in reviewed sources.** The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Surety is not one of them, so it is not part of that self-serve intake flow. [2](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line.) ## StartupInsurance.ai Surety Bonds Compared - [StartupInsurance.ai vs Chubb](https://spot.insure/compare/chubb-vs-startupinsurance/surety-bonds) - [StartupInsurance.ai vs Coverdash](https://spot.insure/compare/coverdash-vs-startupinsurance/surety-bonds) - [StartupInsurance.ai vs Embroker](https://spot.insure/compare/embroker-vs-startupinsurance/surety-bonds) - [StartupInsurance.ai vs Gallagher](https://spot.insure/compare/gallagher-vs-startupinsurance/surety-bonds) - [StartupInsurance.ai vs Harper](https://spot.insure/compare/harper-vs-startupinsurance/surety-bonds) - [StartupInsurance.ai vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-startupinsurance/surety-bonds) ## Other StartupInsurance.ai Coverage Lines - [StartupInsurance.ai Builders Risk Insurance](https://spot.insure/insurance-providers/startupinsurance/builders-risk) - [StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/insurance-providers/startupinsurance/commercial-auto) - [StartupInsurance.ai Commercial Property Insurance](https://spot.insure/insurance-providers/startupinsurance/commercial-property) - [StartupInsurance.ai D&O Insurance](https://spot.insure/insurance-providers/startupinsurance/directors-officers) - [StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/fiduciary) - [StartupInsurance.ai General Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/general-liability) - [StartupInsurance.ai Inland Marine Insurance](https://spot.insure/insurance-providers/startupinsurance/inland-marine) - [StartupInsurance.ai Product Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/product-liability) - [StartupInsurance.ai Tech E&O Insurance](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions) ## Related - [StartupInsurance.ai Profile](https://spot.insure/insurance-providers/startupinsurance) - [StartupInsurance.ai Reliability](https://spot.insure/insurance-providers/startupinsurance/reliability) - [StartupInsurance.ai Alternatives](https://spot.insure/insurance-providers/startupinsurance/alternatives) - [Coverage Guide: Surety bonds](https://spot.insure/coverage/surety-bonds) ## Sources 1. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23. 2. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). Accessed 2026-09-23. 3. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23. 4. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. 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. [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/insurance-providers/startupinsurance/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)