---
title: "Beazley vs USI Insurance Services Representations and Warranties Insurance"
description: "Beazley underwrites M&A insurance up to $50 million; USI’s private equity practice brokers R&W and reviews the purchase agreement as deal support."
canonical: "https://spot.insure/compare/beazley-vs-usi/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-usi/representations-warranties)

# Beazley vs USI Insurance Services Representations and Warranties Insurance

Beazley underwrites M&A insurance up to $50 million; USI’s private equity practice brokers R&W and reviews the purchase agreement as deal support.

## Research Scope and Use

Use this comparison to evaluate Beazley and USI Insurance Services for Representations and Warranties Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites representations and warranties with advertised limits up to US $50 million. USI brokers R&W through its Private Equity practice, reviewing the offering memorandum and purchase-and-sale agreement for pre-closing liabilities, without naming an insurer or publishing limits. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Representations and Warranties Insurance?

Representations and warranties insurance addresses financial loss from inaccuracies in the representations or warranties made in a stock or asset purchase agreement. It doesn't cover issues already known before signing, disputes over the purchase price, or every statement made during diligence. [10](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance") [11](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions")

## Key Differences in Representations and Warranties Insurance

### Who Underwrites Versus Who Places

Beazley underwrites M&A insurance directly and advertises limits up to US $50,000,000. USI brokers representations and warranties as part of its Private Equity practice and does not underwrite. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

### What the Coverage Description Covers

Beazley describes seller-side defense against a purchaser’s breach claim and purchaser first-party protection, including tax and contingent liability. USI lists representations and warranties insurance as a solution for uninsured risk while it reviews the offering memorandum and purchase-and-sale agreement. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

## What to Confirm in Representations and Warranties Insurance Quotes

- Ask Beazley for the bound limit versus US $50 million. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions")
- Ask USI which insurer would issue R&W and what OM and PSA findings drive the submission. [9](https://www.usi.com/property-casualty/private-equity "Private Equity")
- Confirm whether USI’s post-close team will service the target’s insurance program. [9](https://www.usi.com/property-casualty/private-equity "Private Equity")
- Confirm buyer- versus seller-side structure on Beazley. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions")

## Offering Details

| Criteria | Beazley Mergers & Acquisitions Insurance | USI Private Equity Practice — Representations and Warranties Insurance |
| --- | --- | --- |
| Role in This Line | 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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: US Mergers & Acquisitions product page; scope covers the general insuring concept, not a specific policy form..) | 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. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Private Equity practice page..) |
| Issuing Insurer | Not described in the reviewed sources. | The Private Equity page does not name the insurer USI uses for R&W placements. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Who It’s For | 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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: Product-page target-customer list; individual deal acceptance still depends on underwriting..)<br><br>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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: Company-stated geographic reach; not an independently verified regulator record of authorization in every jurisdiction listed..) | 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. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Company description of the practice's audience..) |
| Coverage Features | 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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: Product-page description of the insuring structure; actual policy wording, retentions and exclusions are set at binding..)<br><br>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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: Product-page "What we offer" summary; each element's availability depends on the specific transaction and underwriting..) | 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. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | Beazley advertises M&A insurance limits of up to US $50,000,000. The page does not publish retentions, minimum limits or premium ranges. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: Product-page headline limit figure; actual capacity offered depends on the transaction..) | The page does not publish limit or retention figures for R&W placements. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Risk Services | Beazley says it can underwrite transactions globally and structure coverage around the specific details and timeframes of a transaction. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: Company-stated service description; no turnaround-time commitment or staffing detail is published..) | 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. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Company description of the deal-support process; R&W insurance is one of several services listed alongside these..) |
| How to Apply | 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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Not found in reviewed sources; scope: 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..) | USI directs private equity and M&A inquiries to pcinquiries@usi.com or a local USI office. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Contact instructions on the Private Equity practice page..) |
| Claims Support | 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. [5](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: 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. |

## Full Comparison

- [Beazley vs USI Insurance Services](https://spot.insure/compare/beazley-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties): Representations and warranties insurance addresses financial loss from inaccurate statements in a business purchase agreement.
- [Beazley vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/beazley-vs-usi/commercial-property)
- [Beazley vs USI Insurance Services Crime Insurance](https://spot.insure/compare/beazley-vs-usi/crime)
- [Beazley vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/beazley-vs-usi/cyber)
- [Beazley vs USI Insurance Services D&O Insurance](https://spot.insure/compare/beazley-vs-usi/directors-officers)
- [Beazley vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-usi/employment-practices)
- [Beazley vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-usi/fiduciary)
- [Beazley vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/beazley-vs-usi/management-liability)
- [Beazley vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-usi/medical-malpractice)
- [Beazley vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-usi/professional-errors-omissions)
- [Beazley vs CFC Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-cfc/representations-warranties)
- [Beazley vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-chubb/representations-warranties)
- [Beazley vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-corgi/representations-warranties)
- [Beazley vs Coverdash Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-coverdash/representations-warranties)
- [Beazley vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-foundershield/representations-warranties)
- [Beazley vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-gallagher/representations-warranties)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties coverage description, target customers, 50-state and 80-jurisdiction statement, Limits up to US $50,000,000; How can we help; Examples or Scenarios. Accessed 2026-09-23.

### USI Insurance Services

6. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
7. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
8. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
9. [Private Equity](https://www.usi.com/property-casualty/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.

### Representations and Warranties Insurance Guide

10. [Transaction liability insurance | Representation and indemnities insurance](https://www.cfc.com/en-us/products/class/transaction-liability/). 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.
11. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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