Beazley vs Chubb Representations and Warranties Insurance

Beazley underwrites representations and warranties (M&A) insurance directly, describing solutions designed to reduce or extinguish the impact of liabilities arising from a merger or acquisition, including warranty breaches, adverse tax consequences and contingent liability claims. ⁵Company-reported. US Mergers & Acquisitions product page; scope covers the general insuring concept, not a specific policy form.

Chubb underwrites representations and warranties (R&W) insurance directly, available to either buyers or sellers in an acquisition or merger transaction. ⁹Company-reported. R&W Insurance product page.

Beazley says it offers this coverage to private equity clients, selling entrepreneurs, private shareholders, venture capital funds, listed companies and other corporate clients, with a broad appetite across different target sectors, deal types and transaction structures. ⁵Company-reported. Product-page target-customer list; individual deal acceptance still depends on underwriting.

Beazley says it can underwrite and place M&A insurance, including cross-border deals, in all 50 US states and more than 80 jurisdictions globally. ⁵Company-reported. Company-stated geographic reach; not an independently verified regulator record of authorization in every jurisdiction listed.

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. ¹⁰Company-reported. Multinational large-accounts page Specialty Coverage list; R&W page does not itself state deal-size eligibility.

Beazley describes coverage that can be provided to a seller to defend against a breach of representations or warranties claimed by a purchaser, or to a purchaser for first-party protection against innocent or fraudulent breaches by a seller. ⁵Company-reported. Product-page description of the insuring structure; actual policy wording, retentions and exclusions are set at binding.

Beyond representation and warranty breaches, Beazley says its M&A offering can also address adverse tax consequences and contingent liability claims arising from a transaction. ⁵Company-reported. Product-page "What we offer" summary; each element's availability depends on the specific transaction and underwriting.

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. ⁹Company-reported. R&W Insurance product page opening description and footnote.

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. ⁹Company-reported. Benefits of a Buyer-Side R&W Insurance Policy section.

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. ⁹Company-reported. Benefits of a Seller-Side R&W Insurance Policy section.

Beazley advertises M&A insurance limits of up to US $50,000,000. The page does not publish retentions, minimum limits or premium ranges. ⁵Company-reported. Product-page headline limit figure; actual capacity offered depends on the transaction.

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. ⁹Not found in reviewed sources. R&W Insurance product page as read on 2026-09-23.

Beazley says it can underwrite transactions globally and structure coverage around the specific details and timeframes of a transaction. ⁵Company-reported. Company-stated service description; no turnaround-time commitment or staffing detail is published.

Not described in the reviewed sources.

The reviewed page does not list a self-service quote form or application document for M&A insurance; it instead names underwriters and product leaders by region and links to "Speak with an Underwriter" and "Become a Beazley Broker" contact routes. ⁵Not found in reviewed sources. Checked the full product page, including its Tools & Resources equivalent area, on 2026-09-23; no application form was found there, unlike the Crime and Fidelity page.

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. ⁹Company-reported. R&W Insurance product page quote call-to-action.

Beazley's own example describes a case where its insured was sued by a third party over intellectual property and lost, the third party then counterclaimed against the acquired target, and Beazley paid the claim and it was settled with the third party, despite some question over whether the claim was fully covered. ⁵Company-reported. A single company-selected scenario on the product page; it is not a claims-handling statistic or a guarantee of similar outcomes.

Not described in the reviewed sources.