AIG vs Hub International: Representations and Warranties Insurance

AIG markets an R&W product written through AIG non-admitted carriers only; HUB International brokers R&W rather than underwriting it, and says it can reduce or eliminate escrow requirements.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

Areas of coverage

AIG

  • role: AIG markets a transaction-specific R&W product and says coverage is written through AIG non-admitted carriers only. The particular issuing entity must be confirmed in the buyer’s transaction documents. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG describes R&W insurance for buyers or sellers in merger and acquisition transactions and publishes a deal-size range as a marketing guide. That range is not an eligibility promise for a particular transaction. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG says the product may protect against financial loss from breach of sellers’ representations and warranties. The page lists shared, layered and excess structures; policy wording and transaction diligence control the actual coverage. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes M&A underwriters, prompt transaction support, multinational expertise and dedicated claims professionals for complex transactional disputes. These services are not a promise to accept or pay a claim. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: AIG advertises limits up to $100 million per transaction and a typical retention reference of 1.0% of enterprise value dropping to 0.5% after 12 months. These are published product parameters, not a buyer-specific quote or guarantee. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

HUB International

  • role: HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes representations and warranties insurance as covering the contractual guarantees a seller makes in a sale agreement, protecting a buyer against the guarantees turning out to be untrue, and says it can reduce or eliminate escrow requirements and support more competitive bidding. Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • coverage: HUB's M&A practice also offers litigation buyout (contingent risk) insurance for pending litigation a seller faces, and tax indemnification insurance for the tax treatment of a historical, pending or future transaction, alongside representations and warranties coverage. Product-page description of related transactional risk products.company-reportedSource ↗
  • eligibility: The M&A insurance page frames this coverage around buyers and sellers in a business sale but does not publish deal-size thresholds, industries served, or other eligibility criteria. Checked the M&A insurance page on 2026-09-23.not-foundSource ↗
  • insurer: The M&A insurance page does not name an issuing insurer; HUB places representations and warranties coverage with insurers that vary by transaction. Checked the M&A insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • application: HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. Product-page call to action as read 2026-09-23.company-reportedSource ↗

What Are the Key Differences Between AIG and HUB International Representations and Warranties Insurance?

Deal protections and adjacent risks

HUB describes R&W insurance as protecting a buyer when a seller's contractual guarantees prove untrue and says the coverage can reduce or eliminate escrow requirements. Its M&A practice also places litigation buyout insurance for pending litigation and tax indemnification for transaction tax treatment. AIG describes protection against loss from breaches of seller representations and lists shared, layered, and excess structures. Deal counsel can compare HUB's stated escrow objective and adjacent products with the structure AIG proposes, while checking that each risk is addressed by the actual policy. [5] [1]

Buying route

HUB directs buyers to a broker for negotiated, deal-specific coverage. AIG markets a transaction-specific product and says its non-admitted AIG carriers write the coverage, with the exact issuer shown in transaction documents. The buyer should confirm who negotiates placement, who bears the risk, and how the proposed structure fits any escrow changes. [5] [1]

What Should You Confirm in AIG and HUB International Representations and Warranties Insurance Quotes?

  • Ask HUB how the proposed coverage would alter escrow and whether pending litigation or tax exposures need separate placements. [5]
  • Ask AIG to identify the issuing carrier and show how the selected structure applies to the purchase agreement. [1]

HUB connects R&W placement to escrow and related transaction risks; AIG describes shared, layered, or excess structures for seller-representation breaches.

Sources reviewed

  1. 01
    Representations & Warranties Insurance

    AIG · Official AIG R&W page: M&A buyer/seller audience, advertised transaction size and capacity, typical retention, admitted basis caveat, claims and multinational transaction support; standard policy caveat. · accessed 2026-09-30

  2. 02
    Mergers & Acquisitions

    Beazley · Product overview: buyer and seller protection for inaccuracies in representations or warranties · accessed 2026-09-16

  3. 03
    Transaction liability insurance | Representation and indemnities insurance

    CFC · What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers · accessed 2026-09-16

  4. 04
    Transactional Risk Insurance

    Coverdash · Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products · accessed 2026-09-16

  5. 05
    Mergers & Acquisitions (M&A) Insurance Broker

    HUB International · M&A/Transactional Risk Insurance overview; Representations & Warranties Insurance section; Litigation Buyout Insurance section; Tax Indemnification Insurance section; Connect With a Broker · accessed 2026-09-23

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