Hub International vs Usi: Representations and Warranties Insurance

HUB International brokers R&W and also offers litigation buyout and tax indemnification insurance in its M&A practice; USI Insurance Services reviews the offering memorandum and purchase agreement and keeps a local service team after close.

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

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

Any Business Sale vs Private-Equity Deals

Both broker R&W and neither names the insurer. HUB explains that R&W covers the guarantees a seller makes in the sale agreement and can reduce or eliminate escrow, for buyers and sellers in any business sale. USI lists R&W among its Private Equity practice offerings, for PE firms and sellers working with financial or strategic buyers. Choose HUB if you're a business owner or buyer outside private equity; choose USI if you're a PE sponsor that wants one broker from deal review through servicing the company you acquire. [4] [5]

Adjacent Cover vs Post-Close Servicing

HUB also sells litigation buyout (cover for a pending lawsuit against the seller) and tax indemnification. USI reviews the offering memorandum and purchase agreement for red flags, helps define pre-closing liabilities, and keeps a local team running the acquired company's insurance and benefits after closing, with benchmarking and total-cost-of-risk analysis. [4] [5]

How You Reach Them

HUB routes you to a broker. USI uses a published private-equity inquiry address or a local office. Neither publishes deal-size thresholds or limits. [4] [5]

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

  • Ask HUB whether tax indemnification can be quoted with R&W on the same deal. [4]
  • Ask USI how its purchase-agreement review will flag uninsured risk for the underwriter. [5]
  • Ask USI whether its post-close team will also handle the R&W policy and any claim. [5]
  • Get the insurer, limit and retention from both. [4] [5]

HUB pitches R&W to buyers and sellers in any business sale as a way to cut escrow and bid more competitively, alongside tax and litigation-buyout cover. USI serves private-equity deals, reviewing the purchase agreement for uninsured risk and running the acquired company's insurance and benefits after closing.

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

  5. 05
    Private Equity

    USI Insurance Services · Optimizing Risk from Letter of Intent to Exit; As part of our thorough insurance due diligence, we carefully review the offering memorandum and the purchase-and-sale agreement...; USI's Private Equity Practice offers comprehensive solutions and services, including:...Representations and Warranties Insurance Solutions for Uninsured Risk... · accessed 2026-09-23

Areas of coverage

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 ↗

USI Insurance Services

  • role: USI brokers representations and warranties (R&W) insurance as part of its Private Equity practice's deal-support services; it does not underwrite the policy itself. Private Equity practice page.company-reportedSource ↗
  • insurer: The Private Equity page does not name the insurer USI uses for R&W placements. Page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: USI markets this practice to private equity buyers and sellers working with financial or strategic buyers throughout a merger or acquisition process, not to a general commercial buyer outside a deal context. Company description of the practice's audience.company-reportedSource ↗
  • coverage: USI lists "Representations and Warranties Insurance Solutions for Uninsured Risk" among its Private Equity practice's offerings, in the context of reviewing the offering memorandum and purchase-and-sale agreement to identify pre-closing liabilities. Single catalogue line on the practice page; actual insuring agreements, exclusions and the underwriting review process are set by the R&W insurer and the deal's own diligence.company-reportedSource ↗
  • limits: The page does not publish limit or retention figures for R&W placements. Page as read on 2026-09-23.not-disclosedSource ↗
  • services: USI says it reviews the offering memorandum and purchase-and-sale agreement to flag red flags, helps define pre-closing liabilities, and maintains a local service team overseeing the target company's insurance and benefits programs after close, alongside benchmarking and total-cost-of-risk analysis. Company description of the deal-support process; R&W insurance is one of several services listed alongside these.company-reportedSource ↗
  • application: USI directs private equity and M&A inquiries to pcinquiries@usi.com or a local USI office. Contact instructions on the Private Equity practice page.company-reportedSource ↗

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