Berkshire Hathaway Specialty Insurance vs Hub International: Representations and Warranties Insurance

Berkshire Hathaway Specialty Insurance lists manufacturing, healthcare and retail among its transactional-liability target sectors; HUB International brokers R&W 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 2026-10-01

Berkshire Hathaway Specialty Insurance says R&W may reduce seller escrow; HUB describes escrow reduction and separately lists litigation-buyout and tax-indemnity products for other transaction risks.

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
    Transactional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. · accessed 2026-09-28

  3. 03
    Transactional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. · accessed 2026-09-28

  4. 04
    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

  5. 05
    Transactional Risk Insurance

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

  6. 06
    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

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and HUB International Representations and Warranties Insurance?

Escrow and indemnity structure

Berkshire Hathaway Specialty Insurance says R&W can extend protection beyond negotiated caps and survival periods and may reduce seller escrow. HUB brokers R&W and says it can reduce or eliminate escrow requirements and support more competitive bidding. These are transaction objectives rather than guaranteed savings; compare each quote’s retention, exclusions and effect on the purchase agreement before assuming an escrow can be removed. [3] [6]

Other transaction liabilities

HUB describes litigation-buyout coverage for pending seller litigation and tax-indemnity insurance for the tax treatment of historical, pending or future transactions. BHSI’s Transactional Liability page also lists R&W, tax, contingent-liability and class-action-settlement products; it does not map each product to a particular diligence finding. If a pending claim or tax exposure appears, ask both providers which product and policy terms address it rather than assuming R&W responds. [6] [2]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and HUB International Representations and Warranties Insurance Quotes?

  • Ask HUB whether R&W can reduce the planned escrow and what exclusions remain. [6]
  • For known litigation or tax exposures, ask HUB about separate policy terms and triggers. [6]
  • Ask BHSI for its offered R&W limit and retention for this transaction. [3]

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s current U.S. Transactional Liability page and linked overview name Representations and Warranties Insurance as a product. Direct U.S. product listing; final coverage depends on transaction-specific contract terms.company-reportedSource ↗Source ↗
  • coverage: The U.S. overview describes R&W insurance as adding protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. Company-reported transactional use cases; not a promise of clean exit, outcome or standardized policy response.company-reportedSource ↗
  • limits: The 2025 U.S. Transactional Liability overview states portfolio capacity up to $25 million and says premiums/retentions vary with transaction size and risks. Portfolio-wide underwriting capacity, not a guaranteed R&W limit or quote; document dated 2025-05-16-A.company-reportedSource ↗
  • eligibility: The current page lists manufacturing, financial institutions, technology, real estate, energy, healthcare and retail as transactional-liability target sectors. Portfolio target sectors, not R&W-only acceptability criteria.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 ↗

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