Beazley vs Hub International: Representations and Warranties Insurance

Beazley underwrites R&W directly for buyers or sellers, with tax and contingent-liability cover available; HUB International brokers R&W to protect buyers against untrue seller guarantees 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 2026-09-25

Areas of coverage

Beazley

  • role: Beazley underwrites representations and warranties (M&A) insurance directly, describing solutions designed to reduce or extinguish the impact of liabilities arising from a merger or acquisition, including warranty breaches, adverse tax consequences and contingent liability claims. US Mergers & Acquisitions product page; scope covers the general insuring concept, not a specific policy form.company-reportedSource ↗
  • eligibility: Beazley says it offers this coverage to private equity clients, selling entrepreneurs, private shareholders, venture capital funds, listed companies and other corporate clients, with a broad appetite across different target sectors, deal types and transaction structures. Product-page target-customer list; individual deal acceptance still depends on underwriting.company-reportedSource ↗
  • eligibility: Beazley says it can underwrite and place M&A insurance, including cross-border deals, in all 50 US states and more than 80 jurisdictions globally. Company-stated geographic reach; not an independently verified regulator record of authorization in every jurisdiction listed.company-reportedSource ↗
  • coverage: Beazley describes coverage that can be provided to a seller to defend against a breach of representations or warranties claimed by a purchaser, or to a purchaser for first-party protection against innocent or fraudulent breaches by a seller. Product-page description of the insuring structure; actual policy wording, retentions and exclusions are set at binding.company-reportedSource ↗
  • coverage: Beyond representation and warranty breaches, Beazley says its M&A offering can also address adverse tax consequences and contingent liability claims arising from a transaction. Product-page "What we offer" summary; each element's availability depends on the specific transaction and underwriting.company-reportedSource ↗
  • limits: Beazley advertises M&A insurance limits of up to US $50,000,000. The page does not publish retentions, minimum limits or premium ranges. Product-page headline limit figure; actual capacity offered depends on the transaction.company-reportedSource ↗
  • services: Beazley says it can underwrite transactions globally and structure coverage around the specific details and timeframes of a transaction. Company-stated service description; no turnaround-time commitment or staffing detail is published.company-reportedSource ↗
  • application: The reviewed page does not list a self-service quote form or application document for M&A insurance; it instead names underwriters and product leaders by region and links to "Speak with an Underwriter" and "Become a Beazley Broker" contact routes. Checked the full product page, including its Tools & Resources equivalent area, on 2026-09-23; no application form was found there, unlike the Crime and Fidelity page.not-foundSource ↗
  • claims: Beazley's own example describes a case where its insured was sued by a third party over intellectual property and lost, the third party then counterclaimed against the acquired target, and Beazley paid the claim and it was settled with the third party, despite some question over whether the claim was fully covered. A single company-selected scenario on the product page; it is not a claims-handling statistic or a guarantee of similar outcomes.company-reportedSource ↗

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 Beazley and HUB International Representations and Warranties Insurance?

Direct Insurer With a $50 Million Limit vs a Broker Shopping Your Deal

Beazley writes M&A insurance itself, advertises limits up to US $50 million, and names private equity, entrepreneurs, shareholders, venture capital, listed companies and other corporates as buyers, across all 50 US states and more than 80 jurisdictions. Your deal team goes straight to its underwriters. HUB's M&A transactional-risk practice is a broker that negotiates each deal and doesn't name insurers or publish deal-size criteria. Choose Beazley if your deal needs $50 million or less and you have counsel who can work directly with an underwriter; choose HUB if you want a broker to compare several insurers or need tax and litigation cover on the same deal. [1] [4]

Built-In Tax and Contingent Cover vs Separate Sister Products

HUB says R&W protects a buyer if the seller's contractual guarantees prove untrue, and can reduce or eliminate escrow and make your bid more competitive. It also sells litigation buyout insurance for pending suits against the seller, and tax indemnification for the tax treatment of past, pending or future transactions. Beazley covers tax and contingent liabilities within its M&A offering rather than as separate products. [4] [1]

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

  • Ask Beazley what limit it will quote for your deal, up to its US $50 million maximum. [1]
  • Ask HUB which insurer would issue R&W and whether litigation buyout or tax indemnification sits on the same program. [4]
  • Ask both how much escrow or holdback the policy lets you remove. [4] [1]
  • Ask whether the policy is written for the buyer or the seller. [1] [4]

Beazley writes R&W insurance itself, with limits up to US $50 million for deals in all 50 states and more than 80 jurisdictions; HUB is a broker that shops R&W to reduce or eliminate escrow, and can add litigation buyout and tax indemnification insurance to the same deal.

Sources reviewed

  1. 01
    Mergers & Acquisitions

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

  2. 02
    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

  3. 03
    Transactional Risk Insurance

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

  4. 04
    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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