---
title: "CFC vs HUB International Representations and Warranties Insurance"
description: "CFC underwrites R&W with published capacity; HUB brokers the line as part of M&A transactional risk, including tax and litigation buyout."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs HUB International Representations and Warranties Insurance

CFC underwrites R&W with published capacity; HUB brokers the line as part of M&A transactional risk, including tax and litigation buyout.

## Research Scope and Use

Use this comparison to evaluate CFC and HUB International 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

CFC underwrites transaction liability, including Buyer Protect and Seller Protect under $20 million. HUB places R&W through its M&A practice and describes it as a way to reduce escrow and support bidding, alongside litigation-buyout and tax indemnification insurance. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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

### Carrier Capacity Versus Brokered Bidding Support

CFC underwrites R&W on Lloyd’s syndicates and A-rated companies, stating $50 million on a transaction and $150 million excess on certain fundamental representations. HUB brokers the line through its mergers-and-acquisitions practice and does not name an issuing insurer; it describes R&W as covering seller guarantees in a sale agreement and as a tool that can reduce escrow and support more competitive bidding. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

### Product Set Around the Deal

CFC’s reviewed page adds Buyer Protect and Seller Protect for deals under $20 million, excess on fundamentals, and secondary-liquidity solutions for fund-interest transfers. 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. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

### How You Buy

CFC says the small-deal products can be placed within 24 hours of an application and after closing. HUB directs you to a broker and describes negotiating deal-specific coverage rather than a self-serve quote; its reviewed page does not publish a 24-hour bind path or a $20 million deal cap. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## What to Confirm in Representations and Warranties Insurance Quotes

- Ask HUB which insurer is quoting and ask CFC which syndicate or company is on risk. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC")
- Compare how each quote treats escrow and auction bid structure against the SPA. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Ask whether HUB is also quoting litigation-buyout or tax indemnification, and whether CFC is quoting secondaries or small-deal Protect products. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC")
- Match CFC’s published $50 million / $150 million excess figures to the HUB quote’s limit. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## Offering Details

| Criteria | CFC Transaction Liability Insurance | HUB International Representations and Warranties Insurance |
| --- | --- | --- |
| Role in This Line | CFC's Transaction Liability practice underwrites representations and warranties (R&W) insurance for M&A deals, available to both buyer-side and seller-side purchasers, alongside standalone small-deal products and secondary liquidity solutions. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Transaction liability product page overview, describing CFC as a deal facilitator working with private equity firms and strategic buyers and sellers..) | HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | CFC says it underwrites transaction liability business on behalf of Lloyd's of London syndicates and insurance companies rated 'A' or better by AM Best, without naming a specific carrier for any individual deal. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Limit & appetite section of the product page; the specific carrier for a given policy would appear on that policy's documents..) | The M&A insurance page does not name an issuing insurer; HUB places representations and warranties coverage with insurers that vary by transaction. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Not found in reviewed sources; scope: Checked the M&A insurance page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | Not described in the reviewed sources. | 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. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Not found in reviewed sources; scope: Checked the M&A insurance page on 2026-09-23..) |
| Coverage Features | Beyond its main R&W policy, CFC sells two standalone small-deal products: Buyer Protect, described as covering a buyer for up to 100% of enterprise value, and Seller Protect, described as protecting sellers of small businesses during an M&A transaction. Both are limited to deals under $20 million. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Product page descriptions and the 'Solutions' section, which caps buyer protect/seller protect at deals under $20m. The page's key-features bullets for these two products use near-identical wording about the buyer bringing a claim, so the exact difference in claims mechanics between the two products was not independently confirmable from this page alone..)<br><br>The core transaction liability policy covers representations and warranties, contingent tax, and other M&A liabilities, and CFC also offers excess coverage layered on top for certain fundamental representations. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Product page key features and the 'Limit & appetite' section; exact terms are set by the policy as issued..)<br><br>CFC separately offers secondary liquidity solutions for private market investors acquiring, divesting, or restructuring interests in private equity, private credit, or other fund assets, through what it calls a dedicated secondaries underwriting practice. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Secondary liquidity solutions section of the product page..) | 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. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim..)<br><br>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. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: Product-page description of related transactional risk products..) |
| Limits and Retentions | CFC says it can underwrite up to $50 million of limit on a single transaction, or up to $150 million of excess coverage for certain fundamental representations. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Limit & appetite section of the product page..) | Not described in the reviewed sources. |
| How to Apply | For the Buyer Protect and Seller Protect products, CFC says coverage can be placed within 24 hours of receiving the application form, and can be arranged after closing. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Buyer protect and seller protect key features on the product page..) | HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |
| Claims Support | CFC has a dedicated transaction liability claims team in its London and New York offices, says it has handled nearly 300 claims to date, and aims to send an acknowledgement within 24 hours of a claim notification. [5](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") (Evidence: Company-reported; scope: Claims section of the product page; outcome statistics are company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): 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.
- [CFC vs HUB International Commercial Property Insurance](https://spot.insure/compare/cfc-vs-hub-international/commercial-property)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)
- [CFC vs HUB International Cyber Insurance](https://spot.insure/compare/cfc-vs-hub-international/cyber)
- [CFC vs HUB International D&O Insurance](https://spot.insure/compare/cfc-vs-hub-international/directors-officers)
- [CFC vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/employment-practices)
- [CFC vs HUB International General Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/general-liability)
- [CFC vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom)
- [CFC vs HUB International Management Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/management-liability)
- [CFC vs HUB International Product Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/product-liability)
- [CFC vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-hub-international/professional-errors-omissions)
- [CFC vs HUB International Tech E&O Insurance](https://spot.insure/compare/cfc-vs-hub-international/technology-errors-omissions)
- [CFC vs HUB International Telehealth Insurance](https://spot.insure/compare/cfc-vs-hub-international/virtual-care-telehealth)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)
- [Beazley vs CFC Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-cfc/representations-warranties)
- [Beazley vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-hub-international/representations-warranties)
- [CFC vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-chubb/representations-warranties)
- [CFC vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-corgi/representations-warranties)
- [CFC vs Coverdash Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-coverdash/representations-warranties)
- [CFC vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-foundershield/representations-warranties)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Transaction liability insurance | Representation and indemnities insurance | CFC](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability / Seller protect / Buyer protect / Secondary liquidity solutions; Why choose CFC: Solutions, Experience, Limit & appetite, Claims; FAQs. Accessed 2026-09-23.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
9. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). 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.

### 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 2026-09-23. 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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