Best Surety Bond Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Surety Bond Firms in USA
Published: January 6, 2026 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Business Insurance Solutions by Liberty Mutual Insurance scored highest due to Best for large contractors, national brokers, and enterprises needing scale, speed, and digital workflows. Liberty Mutual Surety ranks #1 in U.S. surety and lists $3.1B on the Treasury list [1](https://business.libertymutual.com/commercial-solutions/surety/), offers eBonding online issuance [2](https://business.libertymutual.com/commercial-insurance-solutions/surety/ebonding/), and provides National Bond Center support [3](https://business.libertymutual.com/commercial-solutions/surety/surety-resources/national-bond-center/)..
Content Verification
Side-by-Side Comparison
| Feature | #1 Business Insurance Solutions (Liberty Mutual Insurance) | #2 Surety Bonds (The Travelers Companies, Inc.) | #3 Business Insurance (Chubb) | #4 Business Insurance Products (CNA) | #5 Excess and Surplus Lines Insurance (Zurich North America) |
|---|---|---|---|---|---|
| Best For | Best for large contractors, national brokers, and enterprises needing scale, speed, and digital workflows. Liberty Mutual Surety ranks #1 in U.S. surety and lists $3.1B on the Treasury list [1], offers eBonding online issuance [2], and provides National Bond Center support [3]. | Best for owners, EPCs and contractors managing time‑sensitive, complex projects. Travelers’ EDR Performance Bond sets defined claim timelines to minimize disruption [1], while its portfolio spans performance/payment to license/permit bonds [2] and 24/7 claim reporting supports rapid response [3]. | Best for global contractors and corporates requiring high capacity and worldwide reach. Chubb is a top‑five U.S. surety with a $2.125B Treasury listing [1], offers online quoting, issuance and paperless renewals via Chubb Surety Marketplace [2], and has capabilities across 45+ countries [3]. | Best for small to mid‑market contractors and businesses needing fast, reliable issuance and responsive underwriting. CNA Surety provides contract and commercial bonds across 50 states [1], uses bONdLINE for streamlined transactional issuance [2], and offers FAST‑Track programs and a broad agent network [3]. | Best for middle‑market and large enterprises seeking an established surety with modern tools. Zurich’s Surety Express enables booking new bonds and managing renewals [1]; it’s recognized among top U.S. surety writers [2]; a dedicated Specialties unit underscores strategic focus [3]. |
| Claim Handling Timeliness | 24/7 claim reporting by phone/online. After you file, a Liberty Mutual claims representative reviews details and contacts you within 1, 2 business days. (business.libertymutual.com) | EDR Performance Bond resolves disputes within 45 days. (travelers.com) Schedule Sensitive Subcontractor Bonds: accelerated surety response, as quickly as 30 days. (travelers.com) 24/7 claim reporting support available. (travelers.com) | Chubb emphasizes fast business-claims handling: local teams make decisions for quicker answers; once a settlement is reached, payment is generally issued within 48 hours. For Workers’ Compensation, Chubb targets response within 48 hours of a reported claim and first disability payment within 14 days when possible. (chubb.com) | 24/7 claim reporting (phone, email, fax, online) with an after-hours escalation process for severe claims; claims initiated via 877‑CNA‑ASAP are evaluated by specialists, with adjusters working toward timely resolution. (cna.com) | 24/7 claim intake; acknowledgment within 24 hours; claim professional assigned within one business day; digital payments (ACH, Push-to-Debit, PayPal, Venmo) enable funds within minutes vs. 7, 10 business days. (zurichna.com) |
| Digital Issuance Efficiency | eBonding enables agents to quote, issue (including final bonds), and service transactional contract/commercial bonds online, with automated approvals, downloadable forms, and servicing tools via the Surety Agents’ Portal. The National Bond Center supports online issuance platforms, improving turnaround and ease of doing business. (business.libertymutual.com) | Agents issue commercial surety bonds online via TravelersClick; typical issuance ~4 minutes, cutting time by more than half, with bond forms library, underwriting authority, and rate calculators. In Canada, SuretyLink offers immediate issuance for most single bonds up to $100, 000 with online payment and DocuSign for indemnity. (investor.travelers.com) | Agents can quote, bind, and issue small‑business coverages via Marketplace/Agent Portal, writing business in minutes and at any time. Surety Marketplace offers automated underwriting, online issuance, paperless renewals, and bond forms configured for same‑day execution, enabling fast digital turnaround. (chubb.com) | CNA Surety’s bONdLINE web platform enables rapid digital issuance: single‑screen data entry, direct access to forms, automated reporting, and fully executed bonds returned within seconds when within agent authority; over‑limit requests route to underwriting with email updates. ePay supports electronic premium payment after issuance. (cem.cnasurety.com) | Broker submissions occur via dedicated E&S inboxes (Primary, Excess Casualty; Financial Lines), not a public quote‑bind portal. An E&S “Express” team targets fast turnaround for small/mid accounts. Post‑bind servicing occurs in My Zurich. (zurichna.com) |
| Specialization in Construction Bonds | Specializes in construction contract surety: bid, payment, and performance bonds for projects of any size. Offers programs for small, transactional, and hard‑to‑place bonds (Surety Plus; Vista) and supports emerging contractors via SBA’s SBG Preferred Program. Issuance/servicing supported by eBonding and the National Bond Center. (business.libertymutual.com) | Dedicated Construction Surety practice with specialized underwriters; delivers contract bonds for contractors from small jobs to landmark projects; offers an EDR Performance Bond targeting dispute resolution within 45 days; supports contractor selection, prequalification, and ongoing project monitoring/risk management to keep projects moving. (travelers.com) | Chubb specializes in construction surety for general, heavy highway/civil, and trade contractors, offering bid, performance, payment, and maintenance bonds. It provides large surety capacity and long-tenured relationships, supporting major projects with global capabilities in 45+ countries. (chubb.com) (chubb.com) | Specializes in construction contract bonds, bid, performance and payment, for contractors, with quick issuance via bONdLINE and streamlined FAST‑Track underwriting for small contractors. (cna.com) FAST‑Track is a one‑page, credit‑based application for jobs under $750, 000; 36 branches support mid‑to‑large contractors across all 50 states. (cna.com) | Zurich specializes in construction surety, providing contract bonds, bid, performance, payment, subcontract performance, subdivision, maintenance and supply, in all 50 states. (zurichna.com) Construction and Surety are unified under Zurich’s Specialties unit for focused leadership, with Surety Express supporting online issuance and management. (zurichna.com) |
Business Insurance Solutions
Liberty Mutual InsuranceCompany Information
Description
As businesses evolve, they need a stable, adaptive insurer that is always looking ahead. We provide comprehensive, tailored business insurance solutions with expertise and care to help protect your people, property, and reputation.
What They Do
Provide comprehensive and tailored business insurance solutions
Who They Serve
Businesses of all sizes and individuals seeking personal insurance
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Liberty Mutual Surety delivers enterprise‑scale contract and commercial surety solutions backed by national reach. Agents use eBonding to quote, issue, and service bonds, while the National Bond Center supports a wide range of transactional needs.
Key Features
- Customizable insurance products
- Broad suite of coverages
- Support from trusted advisers and industry leaders
- Claims and risk management services
Key Benefits
- Tailored insurance solutions for specific business needs
- Access to industry expertise and in-depth underwriting
- Expert claims handling
- Risk control support
- Comprehensive coverage options across multiple industries
Who Is It For
- Businesses of all sizes
- Industries including construction, energy, financial institutions, healthcare, manufacturing, private equity, professional services, public entities, real estate, sharing economy & new mobility, technology, wholesale-distribution
Commercial insurance solutions
Tailored solutions for your business.
Partners in business protection
Problem-solvers. Trusted advisers. Industry leaders. However you think of us, we’re always striving to do more for our customers. We are here to help your business thrive by providing a broad, protective suite of coverages tailored specifically to your needs. With an emphasis on in-depth underwriting, industry expertise, expert claims handling, and risk control support across a spectrum of industries, we work together to design the right solutions to help protect your business and keep it moving forward.
Resources
Supporting Resources
Detailed Comparison
Claim Handling Timeliness
Digital Issuance Efficiency
Specialization in Construction Bonds
The Travelers Companies, Inc.Company Information
Travelers is a leading provider of insurance solutions, offering a wide range of personal and business insurance products to protect individuals, families, and businesses from various risks. With over 160 years of experience, Travelers is committed to helping its customers manage risks and achieve their goals.
Keywords
Description
Travelers provides a wide range of insurance products and services for individuals, families, and businesses, helping them manage risks and protect their assets.
What They Do
Travelers offers insurance products and services for personal and business needs, including auto, home, and commercial insurance.
Who They Serve
Individuals, families, and businesses across various industries.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Travelers offers a comprehensive surety portfolio across contract and commercial bonds, including bid, performance and payment, court, license and permit, and more. Dedicated construction underwriters and resources support projects from small to multinational.
Key Features
- Wide range of bond types (see bond_types)
- Specialized construction underwriters for contract surety
- Expedited Dispute Resolution (EDR) Performance Bond for streamlined claims
- Support for both commercial and contract surety needs
Key Benefits
- Tailored surety programs to meet unique needs
- Proven reliability and financial strength
- Flexible and innovative solutions for complex bonding requirements
- Streamlined claims handling with specialized bond options
Who Is It For
- Individuals seeking specific types of bonds
- Businesses with a variety of bonding requirements
- Small to multinational companies
- Industries such as construction, healthcare, utilities, and more
Travelers knows surety bonds
Whether you’re an individual seeking a particular type of bond or you run a business with a variety of bonding requirements, Travelers can offer a surety program tailored to your needs.
Surety bonds provided by Travelers
- Bid, Performance and Payment
- Construction Materials Supply
- Court Bonds – Judicial, Fiduciary and Probate
- Custom Bonds
- Depository Bonds
- ERISA Fidelity
- License and Permit
- Lost Instrument
- Miscellaneous
- Notary
- Public Official
- Release of Lien
- Utilities
Why Travelers?
Our reliability is proven. For more than 100 years, Travelers has been a leader in the surety industry. We consistently earn high marks for our financial strength and claims-paying ability.
Related products & solutions
- Commercial surety: Travelers can help both individuals and businesses – ranging from small to multinational companies – with their commercial surety needs.
- Contract surety: Our specialized construction underwriters have deep industry knowledge and an ability to provide flexible, innovative solutions.
Resources
- A Different Kind of Performance Bond: The Expedited Dispute Resolution (EDR) Performance Bond from Travelers takes a new streamlined approach to claims handling and resolution.
- What Is a Surety Bond? Travelers Insurance provides information and a video on how surety bonds work, their cost, and the different types.
Surety Bond Resources
- 4 Advantages of Surety Bonds for Healthcare Organizations
- 10 Surety Contract Terms Explained
- 5 Things to Look for in a Commercial Contract Surety Provider
- Understanding the Three Parties in a Surety Contract
Resources
Supporting Resources
Detailed Comparison
Claim Handling Timeliness
Digital Issuance Efficiency
Specialization in Construction Bonds
ChubbCompany Information
Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.
Keywords
Description
At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.
What They Do
Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.
Who They Serve
Individuals, families, businesses, agents, and brokers.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Chubb delivers construction, commercial, and transactional surety backed by 140+ years in the market and a global network. Its Chubb Surety Marketplace enables appointed producers to quote, issue, and renew small commercial and individual bonds online.
Key Features
- Customizable insurance products (liability, cyber, property, accident & health, etc.)
- Industry-specific solutions across 30+ industry practices
- Risk engineering and consulting services
- Claims support and business income consultation
- Coverage for businesses of all sizes
- Global reach and multinational capabilities
Key Benefits
- Tailored insurance solutions for unique business needs
- Coverage for a wide range of industry-specific risks
- Access to risk specialists and nearly 500 in-house risk engineers
- World-class claims service with high satisfaction rates
- Financial strength and stability
- Strategic partnership and insights for large and multinational businesses
Who Is It For
- Small businesses (startups to established local businesses)
- Large and multinational businesses
- Businesses across 30+ specialized industries
- Companies seeking tailored risk solutions
Tailored business insurance solutions
Chubb has protected businesses of all sizes, their employees and their reputations against industry-specific risks for more than 200 years. Let our risk specialists work to find the right business insurance coverage for your unique needs.
Products, services, industry expertise
Chubb’s expertise spans 30 specialized Industry Practices. Working together, our underwriters, risk and claims professionals tailor industry-specific solutions for each of our clients.
- Explore by industry: 30+ specialized industry practices
- Explore by product: Liability, cyber, property, accident and health
- Explore our services: Risk engineering, claims support, income consultation
Insuring businesses of all sizes
Small businesses at every stage look to Chubb for robust protections, world-class claims service, industry-specific knowledge and coverage options that insure against risks as they grow. Large & multinational businesses rely on Chubb for strategic partnership, insights, premium products and services, stability, financial strength and insurance industry leadership.
- Small businesses: robust protections, claims service, industry knowledge
- Large & multinational businesses: strategic partnership, insights, premium products
Business insurance excellence by the numbers
#1 Commercial lines insurer in the U.S.; 200+ years of experience; $21B claims paid globally (2023); 92% overall claims satisfaction (clients with a paid claim across 2022-2023)
- #1 Commercial lines insurer in the U.S.
- 200+ years of experience
- $21B claims paid globally (2023)
- 92% overall claims satisfaction (2022-2023)
Unique risk solutions across industries
Chubb’s industry practice specializations continue to grow in response to rising business segments, ensuring that our capabilities and products align strategically to the evolving risks that matter most in your industry.
- 30+ industry practices
- Industry-specific risk solutions
Prepare and prevent with Chubb Risk Consulting
Chubb’s in-house network of nearly 500 risk engineers helps businesses anticipate and minimize costly exposures. The Chubb Risk Engineering Center offers services on fire protection, equipment breakdown, worker safety and more.
- Fire protection
- Equipment breakdown
- Worker safety
- Next generation risk management
Insights & expertise
Learn more about market conditions and risks that affect your industry, leverage tips and strategies for protecting your business and see Chubb’s expertise in action with white papers, articles, and success stories.
- Evolving risks for the middle market
- Insurance costs depend on 4 factors
- Navigating risks in cleanrooms
- Cold weather safety tips for employees
- 4 steps for creating a safer worksite
- When middle markets go multinational
Get a business insurance quote that fits your business
Whether your business is large or small, we’ll leverage our premium products and services to create a plan that protects your business, your employees and your reputation. Talk to Chubb today.
Resources
Supporting Resources
Detailed Comparison
Claim Handling Timeliness
Digital Issuance Efficiency
Specialization in Construction Bonds
CNACompany Information
CNA Insurance is a leading provider of business insurance solutions, offering a wide range of products and services to help businesses manage risk and protect their assets. With expertise in various industries, including construction, healthcare, and technology, CNA provides tailored insurance solutions to meet the unique needs of each business.
Keywords
Description
CNA provides deep expertise, attentive service, and tailored business insurance solutions to help manage exposures and minimize loss across a wide array of industries.
What They Do
CNA provides business insurance solutions and risk management services.
Who They Serve
CNA serves various industries and businesses worldwide.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Navigation Links
Summary
CNA Surety offers a full range of contract and commercial bonds across all 50 states, Canada and Puerto Rico. Its bONdLINE system and FAST‑Track program enable quick, accurate issuance for transactional needs and small contractors.
Key Features
- Comprehensive product portfolio including property, casualty, liability, and specialty coverages
- Industry-specific solutions and affinity programs
- Risk control services and resources
- Global and domestic coverage options
Key Benefits
- Specialized insurance and risk management solutions
- Coverage for a wide array of business risks
- Tailored products for specific industries and business sizes
- Access to risk control professionals and resources
Who Is It For
- Businesses of all sizes
- Small businesses
- Middle market companies
- National accounts
- International businesses
- Industry-specific segments (e.g., construction, healthcare, technology, manufacturing, financial institutions, real estate, professional services, life sciences)
Business Insurance Products and Solutions
Our wide range of business insurance products and solutions are specialized to meet a variety of insurance and risk management needs for businesses of all sizes.
Explore Our Products
- Casualty
- CNA Connect® (Small Businessowners Policy)
- Commercial Auto
- Commercial Package (CNA Paramount®)
- Cyber
- Equipment Breakdown
- General Liability
- Management & Professional Liability
- Marine
- Property
- Surety
- Umbrella & Excess Casualty
- Warranty & Alternative Risks
- Workers’ Compensation
Explore Our Solutions
- Affinity Programs
- International Solutions
- Middle Market
- National Accounts
- Small Business
Resources
Supporting Resources
Detailed Comparison
Claim Handling Timeliness
Digital Issuance Efficiency
Specialization in Construction Bonds
Excess and Surplus Lines Insurance
Zurich North AmericaCompany Information
Zurich North America is a leading insurance provider specializing in commercial property and casualty insurance services. With a focus on delivering risk management solutions, they cater to a diverse range of industries and businesses across North America.
Keywords
Description
Zurich provides specialized commercial insurance for various industries, ensuring your business is well-protected with individualized solutions.
What They Do
Specialized commercial insurance services across multiple industries.
Who They Serve
Businesses in various sectors including automotive, construction, healthcare, and more.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Summary
Zurich provides contract and commercial surety solutions supported by Surety Express, an online tool to book new bonds, manage renewals, and modify bonds. Its Specialties business unit brings construction and surety under a focused leadership structure.
Key Features
- Coverage for casualty, commercial property, construction, and financial lines
- Solutions for hard-to-place and emerging risks
- Ability to provide excess coverage (additional limits above primary insurance)
- Policy customization for unique business exposures
Key Benefits
- Customized coverage strategies for complex and non-standard risks
- Flexible coverage options for various risk types
- Recognized claims services
- 100% wholesale distribution strategy
- Admitted and non-admitted coverage capability
- Strong financial ratings (A.M. Best A+/Superior, S&P AA/Stable)
Who Is It For
- Wholesale distributors handling specialized or high-value goods
- Owners of properties with unique characteristics or in catastrophe-prone areas
- Businesses engaged in high-hazard operations
- Emerging industries with evolving risk profiles
- Companies requiring high liability limits
- Businesses with challenging claims histories
Why Choose Zurich E&S?
Zurich E&S is fully committed to empowering wholesale insurance distributors with the underwriting expertise and innovative solutions needed to support their retail partners and clients. Our team delivers customized coverage strategies designed to address emerging and hard-to-place risks. Whether it’s casualty, commercial property, construction, or financial lines, Zurich E&S offers flexible coverage options for various complex risks.
Explore our Specialized E&S Offerings
Zurich E&S provides specialized offerings in Casualty, Construction, Financial Lines, and Property.
- Zurich E&S Casualty
- Zurich E&S Construction
- Zurich E&S Financial Lines
- Zurich E&S Property
Benefits of Zurich E&S
Zurich E&S supports wholesale distributors by offering insurance coverage designed to address complex and non-standard risks. Each solution is developed with a forward-looking perspective, aiming to meet the evolving needs of businesses.
- Recognized claims services
- 100% wholesale distribution strategy
- Admitted and Non-admitted coverage capability
- A.M. Best (A+/Superior) and Standard & Poor's (AA/Stable)
Frequently Asked Questions
Answers to common questions about E&S insurance, including what it is, how it differs from admitted insurance, the meaning of excess coverage, regulation, and who benefits.
- E&S insurance is for risks standard insurers may not accept
- Non-admitted carriers offer more flexibility
- Excess coverage provides additional limits above primary insurance
- E&S insurance is regulated by state insurance departments
- Beneficiaries include businesses with non-standard or high-risk exposures
Resources
Supporting Resources
Detailed Comparison
Claim Handling Timeliness
Digital Issuance Efficiency
Specialization in Construction Bonds
Our Ranking Methodology
How we rank these offerings
We ranked these Surety Bond Firms in USA using a weighted scoring formula: Digital Issuance Efficiency (40%), Specialization in Construction Bonds (35%), Claim Handling Timeliness (25%). N/A values receive 0 points. Business Insurance Solutions (libertymutual.com) scored highest with 95 due to industry-leading digital issuance, robust specialization, and strong claim handling. Companies with N/A values had reduced maximum scores.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for surety bonds in the USA?
- Surety bond costs typically depend on the type of bond, the size of the bond, and the credit quality of the applicant. Companies like Liberty Mutual Surety and Travelers offer competitive pricing structures that are designed to weigh the risk against the type of construction or commercial project covered. Liberty Mutual's eBonding and Travelers' dedicated resources provide transparency in pricing, which could range from 1% to 15% of the bond amount. Pricing is generally tailored based on risk assessment and project specifics, ensuring alignment with industry standards.
- What are the key selection criteria when choosing a surety bond provider?
- When selecting a surety bond provider, businesses should consider the provider’s financial strength, expertise in the relevant industry, and range of services offered. Companies such as Chubb and CNA Surety provide a global network and decades of experience, which are critical for supporting complex bond needs. Additionally, tools like Chubb’s Surety Marketplace and CNA’s bONdLINE system facilitate ease of use and efficient bond management, which can be vital in fast-paced project timelines.
- What industry standards and compliance considerations are there for surety bonds?
- Surety bonds in the USA must comply with state and federal regulations, which govern the terms and enforcement of the bond contracts. Firms like Zurich leverage their online platforms, such as Surety Express, to ensure compliance by streamlining the booking and renewal processes. Staying updated with industry standards is crucial, and companies often incorporate a compliance framework within their online tools to automatically adapt to regulatory changes, decreasing the risk of non-compliance.
- What are common implementation challenges in obtaining surety bonds, and how can they be mitigated?
- A common challenge is navigating the underwriting process, which can be complex and time-consuming. Solutions like Travelers' dedicated construction underwriters and Liberty Mutual's National Bond Center help simplify this process by providing tailored support and rapid service response. Additionally, leveraging technology such as Zurich's Surety Express and Chubb's Surety Marketplace can streamline application and approval, reducing obstructions in project timelines.
- How do surety bonds deliver ROI and value to businesses?
- Surety bonds offer significant ROI by enhancing business credibility and providing financial protection against non-compliance or project defaults. Companies like CNA Surety structure their bond programs to offer peace of mind and fulfill regulatory requirements, which can expedite business operations and decrease financial risks. Moreover, by utilizing efficient systems such as CNA's FAST-Track program, businesses can achieve reduced administrative overheads and improved project fulfillment timelines, thereby enhancing operational value.
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