---
title: "CFC vs HUB International: Representations and Warranties Insurance"
description: "CFC writes R&W itself, up to $50 million per deal plus $150 million excess on certain fundamental representations, and its Buyer Protect and Seller Protect policies cover deals under $20 million within 24 hours of applying; HUB is a broker that negotiates R&W to cut escrow and can add tax and litigation-buyout cover."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-hub-international"
provider-a: "cfc"
provider-b: "hub-international"
coverage-line: "representations-warranties"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-hub-international/representations-warranties)

## Agent Guide

**What this page is:** Focused comparison of CFC and HUB International for Representations and Warranties Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Representations and Warranties Insurance questions about CFC versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs HUB International for Representations and Warranties Insurance: how do they differ?
- Which is better for Representations and Warranties Insurance, CFC or HUB International?
- What does CFC or HUB International publish about Representations and Warranties Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Representations and Warranties Insurance. Providers: CFC and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) — all coverage lines for this pair
- [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# CFC vs HUB International: How Do They Compare for Representations and Warranties Insurance?

CFC says it can underwrite up to $50 million of limit on a single transaction; HUB International brokers R&W rather than underwriting it, and says it can reduce or eliminate escrow requirements.

CFC writes R&W itself with up to $50 million per deal and Buyer and Seller Protect policies for deals under $20 million placed within 24 hours, while HUB is a broker that negotiates R&W to cut escrow.

## CFC vs HUB International Representations and Warranties Insurance Summary

CFC writes R&W itself, up to $50 million per deal plus $150 million excess on certain fundamental representations, and its Buyer Protect and Seller Protect policies cover deals under $20 million within 24 hours of applying; HUB is a broker that negotiates R&W to cut escrow and can add tax and litigation-buyout cover. [1](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## What Are the Key Differences Between CFC and HUB International Representations and Warranties Insurance?

### Published Capacity and Fast Small-Deal Cover vs Broker Negotiation

CFC writes R&W itself, stating up to $50 million on a transaction and $150 million excess on certain fundamental representations. For deals under $20 million, its Buyer Protect and Seller Protect policies can be placed within 24 hours of an application, even after closing. HUB's M&A practice is a broker that negotiates deal-specific cover, doesn't name insurers and publishes no limits or timelines. Choose CFC if your deal is under $20 million and you need cover fast, or you want known capacity; choose HUB if you want a broker to shop the deal and structure escrow and bid terms. [1](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

### Secondaries and Excess vs Tax and Litigation Cover

CFC also offers secondary-liquidity solutions for transfers of fund interests. HUB says R&W protects a buyer if the seller's guarantees in the sale agreement prove untrue, and can reduce escrow and make your bid more competitive. It adds litigation buyout insurance for pending suits against the seller and tax indemnification for the tax treatment of past, pending or future transactions. [1](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## What Should You Confirm in CFC and HUB International Representations and Warranties Insurance Quotes?

- Ask HUB which insurer is quoting, and ask CFC whether a Lloyd's syndicate or one of its A-rated insurers is on risk. [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [1](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC")
- Ask HUB how its quote changes escrow and your bid structure under the purchase agreement. [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Ask HUB whether litigation buyout or tax indemnification is included, and ask CFC whether Buyer Protect, Seller Protect or secondaries cover fits. [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [1](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC")
- Compare HUB's quoted limit with CFC's $50 million and $150 million excess figures. [1](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance | CFC") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## CFC vs HUB International Representations and Warranties Compared

| Criteria | CFC Transaction Liability Insurance | HUB International Representations and Warranties Insurance |
| --- | --- | --- |
| 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. [1](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. [3](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..) |
| 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. [1](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. [1](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. [1](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. [3](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. [3](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..) |
| 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. [1](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. [3](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..) |

## About CFC and HUB International and Representations and Warranties

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties)

## Related Pages for CFC vs HUB International

- [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 can cover loss from inaccurate statements in a business purchase agreement; known issues and purchase-price disputes require separate review.
- [CFC Representations and Warranties Insurance](https://spot.insure/insurance-providers/cfc/representations-warranties)
- [HUB International Representations and Warranties Insurance](https://spot.insure/insurance-providers/hub-international/representations-warranties)

## Sources for CFC vs HUB International

### Sources About CFC

1. [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.
2. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.

### Sources About HUB International

3. [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.

Updated 2026-09-29. 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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