Gallagher vs Hub International: Representations and Warranties Insurance

Gallagher places R&W with outside carriers for buyers and sellers, including SPACs; HUB International brokers R&W protecting buyers against untrue seller guarantees, alongside litigation buyout and tax indemnification insurance.

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

Gallagher staffs R&W placements with dedicated attorneys who draft custom policy forms and run pre-deal diligence, and it bundles R&W with D&O for SPAC deals. HUB pitches R&W as a way to cut escrow and bid more competitively, and sells tax indemnity and litigation-buyout cover alongside it.

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
    Executive and Financial Risk Insurance

    Gallagher · M&A Transactional Insurance, including Representations and Warranties and Tax Mitigation Insurance section; Special-Purpose Acquisition Companies (SPACs) section · accessed 2026-09-23

  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

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

Attorney-Drafted Forms vs Escrow and Bid Strategy

Both place R&W with outside insurers. Gallagher's Executive and Financial Risk group analyzes deals, writes custom policy forms and runs pre-transaction diligence for buyers and sellers, with several dedicated attorneys on each placement. HUB describes R&W as cover for the guarantees a seller makes in the sale agreement, and says it can reduce or eliminate escrow and help you bid more competitively. Choose Gallagher if you're doing a SPAC deal or need custom wording drafted by attorneys; choose HUB if you also need tax indemnity or cover for pending seller litigation on the same deal. [4] [5]

SPAC Bundling vs Adjacent Deal Products

Gallagher markets R&W to SPACs, bundled with D&O across the IPO and de-SPAC. HUB doesn't describe a SPAC program, but sells litigation buyout (cover for a pending lawsuit against the seller) and tax indemnification alongside R&W. [4] [5]

Who Works Your Deal

HUB sends you to a broker who negotiates deal-specific cover, and doesn't describe a lawyer-staffed team. Neither names the insurer or publishes limits. [4] [5]

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

  • For a SPAC or de-SPAC, ask Gallagher whether R&W is bundled with your D&O and which insurer is binding it. [4]
  • Ask HUB whether litigation buyout or tax indemnification can be quoted on the same deal. [5]
  • Get the insurer, limit and retention from both. [4] [5]
  • Ask both how the wording treats breaches known before closing. [4] [5]

Areas of coverage

Gallagher

  • role: Gallagher's Executive and Financial Risk practice places representations and warranties (R&W) insurance for mergers and acquisitions with outside carriers; it does not underwrite the policy. Group-level executive-and-financial-risk practice page.company-reportedSource ↗
  • coverage: Gallagher describes providing analysis, custom policy forms and pre-transaction diligence to select markets and deliver R&W and tax-mitigation coverage for both buyers and sellers in M&A deals. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.company-reportedSource ↗
  • eligibility: Gallagher also markets R&W insurance specifically to special-purpose acquisition companies (SPACs), bundling it with D&O coverage across the IPO and de-SPAC process for the business combination. Group-level executive-and-financial-risk practice page, SPAC subsection.company-reportedSource ↗
  • services: Gallagher says it has several dedicated attorneys who assist with M&A transactional insurance placements, including R&W, from start to finish. Group-level executive-and-financial-risk practice page.company-reportedSource ↗
  • insurer: The executive-and-financial-risk page does not name the insurer that would issue a given transaction's R&W policy. Checked the group-level executive-and-financial-risk practice page.not-disclosedSource ↗
  • limits: The page does not publish specific R&W limits, retentions or premium ranges. Checked the group-level executive-and-financial-risk practice page.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 ↗

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