Chubb vs Hub International: Representations and Warranties Insurance

Chubb underwrites R&W directly for buyers or sellers and directs interested businesses to request a quote; HUB International sends you to a broker to negotiate deal-specific coverage.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Chubb insures R&W itself for either side of a deal, and says buyer-side policies help win auctions and pay beyond the seller's indemnity cap. HUB's M&A practice brokers R&W to reduce or remove escrow, and can add litigation-buyout and tax indemnification cover.

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

Insurer on Your Deal vs a Broker Who Shops It

Chubb writes R&W itself for buyers or sellers; its transactional-risk team works the quote with the buyer, seller and their brokers, and cover sits above a retention. HUB's M&A practice brokers R&W from insurers it doesn't name. Choose Chubb if your deal team wants a known insurer and its buyer-side benefits; choose HUB if you want R&W shopped and bundled with other deal-risk cover. [4] [6]

Auction Edge vs Escrow Relief and Extra Covers

Chubb says buyer-side policies strengthen a bid in an auction and let you recover beyond the seller's indemnity cap. HUB frames R&W as a way to reduce or eliminate escrow and bid more competitively, and also places litigation-buyout and tax indemnification cover. If a pending lawsuit or tax exposure threatens the deal, HUB documents a route. [6] [4]

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

  • Ask HUB which insurer it selects; Chubb issues its own policy. [4] [6]
  • Compare escrow reduction, indemnity caps and auction-bid conditions on both forms. [6] [4]
  • Ask HUB whether litigation-buyout or tax cover is part of the same placement. [6]
  • Get the limit and retention on both; neither publishes figures. [4] [6]

Areas of coverage

Chubb

  • role: Chubb underwrites representations and warranties (R&W) insurance directly, available to either buyers or sellers in an acquisition or merger transaction. R&W Insurance product page.company-reportedSource ↗
  • coverage: Chubb says the policy protects against financial losses, including defense costs, in excess of a retention, for certain unintentional and unknown breaches of the seller's representations and warranties made in the acquisition or merger agreement. R&W Insurance product page opening description and footnote.company-reportedSource ↗
  • coverage: For buyer-side policies, Chubb lists benefits including protection beyond the negotiated indemnity cap and survival limitations, protection against a seller's collectability or solvency risk, and support for distinguishing a bid in a competitive auction by requiring shorter survival periods and lower liability caps from the seller. Benefits of a Buyer-Side R&W Insurance Policy section.company-reportedSource ↗
  • coverage: For seller-side policies, Chubb says the coverage backstops negotiated indemnity obligations, which it calls a key benefit for private equity or venture capital funds at the end of their life cycle, and protects minority or passive sellers concerned about joint and several liability. Benefits of a Seller-Side R&W Insurance Policy section.company-reportedSource ↗
  • eligibility: Chubb's R&W product is part of its broader transactional risk suite serving large U.S. and Canadian multinational companies and their brokers; the reviewed pages do not state a minimum deal size for R&W specifically. Multinational large-accounts page Specialty Coverage list; R&W page does not itself state deal-size eligibility.company-reportedSource ↗
  • limits: The reviewed pages state that coverage applies in excess of a retention but do not publish specific limit, retention or premium figures; Chubb describes R&W policies as negotiated deal-by-deal. R&W Insurance product page as read on 2026-09-23.not-foundSource ↗
  • application: R&W insurance is placed through Chubb's transactional risk team working with the deal's buyer, seller and their brokers; the product page directs interested businesses to request a quote. R&W Insurance product page quote call-to-action.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 ↗

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
    Multinational Insurance Coverage and Solutions for Large Accounts

    Chubb · Specialty Coverage list: Representations & Warranties named among specialty coverages for large US and Canadian multinational companies · accessed 2026-09-23

  4. 04
    Representations and Warranties (R&W) Insurance

    Chubb · R&W Policy Highlights; Benefits of a Buyer-Side R&W Insurance Policy; Benefits of a Seller-Side R&W Insurance Policy · accessed 2026-09-23

  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

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