What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
Read the HUB International profile
Read the HUB International Representations and Warranties Insurance page
What Is Representations and Warranties Insurance?
Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. 8,9,10
Key Differences in Representations and Warranties Insurance
Deal protections and adjacent risks
HUB describes R&W insurance as protecting a buyer when a seller's contractual guarantees prove untrue and says the coverage can reduce or eliminate escrow requirements. Its M&A practice also places litigation buyout insurance for pending litigation and tax indemnification for transaction tax treatment. AIG describes protection against loss from breaches of seller representations and lists shared, layered, and excess structures. Deal counsel can compare HUB's stated escrow objective and adjacent products with the structure AIG proposes, while checking that each risk is addressed by the actual policy. 7 3
Buying route
HUB directs buyers to a broker for negotiated, deal-specific coverage. AIG markets a transaction-specific product and says its non-admitted AIG carriers write the coverage, with the exact issuer shown in transaction documents. The buyer should confirm who negotiates placement, who bears the risk, and how the proposed structure fits any escrow changes. 7 3
What to Confirm in Representations and Warranties Insurance Quotes
AIG and HUB International Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG Review Score
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsAIG vs HUB International Representations and Warranties Compared
AIG vs HUB International: Representations and Warranties Insurance: documented features by provider
| Criteria | AIG Representations and Warranties Insurance | HUB International Representations and Warranties Insurance |
|---|---|---|
| Role in This Line | AIG markets a transaction-specific R&W product and says coverage is written through AIG non-admitted carriers only. The particular issuing entity must be confirmed in the buyer’s transaction documents. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. 7Company-reported. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The M&A insurance page does not name an issuing insurer; HUB places representations and warranties coverage with insurers that vary by transaction. 7Not found in reviewed sources. Checked the M&A insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | AIG describes R&W insurance for buyers or sellers in merger and acquisition transactions and publishes a deal-size range as a marketing guide. That range is not an eligibility promise for a particular transaction. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | 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. 7Not found in reviewed sources. Checked the M&A insurance page on 2026-09-23. |
| Coverage Features | AIG says the product may protect against financial loss from breach of sellers’ representations and warranties. The page lists shared, layered and excess structures; policy wording and transaction diligence control the actual coverage. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | 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. 7Company-reported. Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim. 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. 7Company-reported. Product-page description of related transactional risk products. |
| Limits and Retentions | AIG advertises limits up to $100 million per transaction and a typical retention reference of 1.0% of enterprise value dropping to 0.5% after 12 months. These are published product parameters, not a buyer-specific quote or guarantee. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | AIG describes M&A underwriters, prompt transaction support, multinational expertise and dedicated claims professionals for complex transactional disputes. These services are not a promise to accept or pay a claim. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. 7Company-reported. Product-page call to action as read 2026-09-23. |
Related Pages for AIG vs HUB International
Representations and Warranties Pages for AIG and HUB International
Other Coverage Lines Compared for AIG vs HUB International
Other Representations and Warranties Insurance Provider Comparisons
Sources for AIG vs HUB International
Sources About AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Representations & Warranties Insurance. AIG; Official AIG R&W page: M&A buyer/seller audience, advertised transaction size and capacity, typical retention, admitted basis caveat, claims and multinational transaction support; standard policy caveat. Accessed 2026-09-30.
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- 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.
Sources for the Representations and Warranties Insurance Guide
- 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.
- Mergers & Acquisitions. Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
- Transactional Risk Insurance. Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. Accessed 2026-09-16.
