---
title: "Chubb vs Gallagher: Representations and Warranties Insurance"
description: "Chubb writes R&W itself for large US and Canadian multinationals and publishes what it does for buyers and sellers; Gallagher is a broker whose dedicated attorneys run diligence, negotiate custom forms with outside insurers and bundle R&W with D&O for SPAC deals."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-gallagher"
provider-a: "chubb"
provider-b: "gallagher"
coverage-line: "representations-warranties"
---

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

## Agent Guide

**What this page is:** Focused comparison of Chubb and Gallagher 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 Chubb versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Representations and Warranties Insurance. Providers: Chubb and Gallagher.
- 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 2026-09-25.

**Related pages:**
- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher) — all coverage lines for this pair
- [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# Chubb vs Gallagher: How Do They Compare for Representations and Warranties Insurance?

Chubb underwrites R&W for buyers or sellers and directs interested businesses to request a quote; Gallagher places it with outside carriers and offers custom policy forms and pre-transaction diligence.

Chubb writes buyer- and seller-side R&W itself for large US and Canadian multinationals, while Gallagher’s attorneys negotiate custom R&W forms with outside insurers and bundle R&W with D&O for SPACs.

## Chubb vs Gallagher Representations and Warranties Insurance Summary

Chubb writes R&W itself for large US and Canadian multinationals and publishes what it does for buyers and sellers; Gallagher is a broker whose dedicated attorneys run diligence, negotiate custom forms with outside insurers and bundle R&W with D&O for SPAC deals. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [2](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage and Solutions for Large Accounts") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Are the Key Differences Between Chubb and Gallagher Representations and Warranties Insurance?

### Insurer’s Own Deal Team vs Broker Attorneys and Custom Forms

Chubb underwrites R&W itself, quoting through its transactional-risk team with the deal parties and their brokers, and lists it among specialty coverages for large US and Canadian multinationals. Gallagher places R&W with outside insurers it doesn’t name, and says dedicated attorneys handle analysis, custom policy forms and pre-transaction diligence from start to finish. Choose Chubb if you are a large multinational buyer or seller who wants a known insurer’s standard terms; choose Gallagher if you are doing a SPAC or de-SPAC, or want a broker to negotiate bespoke wording across insurers. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [2](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage and Solutions for Large Accounts") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Published Buyer and Seller Benefits vs Tax Cover on a Custom Form

For buyers, Chubb says R&W extends protection beyond the negotiated indemnity cap and survival period, protects against a seller who can’t pay, and helps you win auctions by accepting shorter survival and lower caps. For sellers, it backstops indemnity for funds winding down and protects minority or passive sellers from joint and several liability. Gallagher covers both buyers and sellers and adds tax-mitigation cover, but you’ll only see how it handles caps, survival and collectability on its custom form. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### SPAC Bundle vs Multinational Suite

Gallagher bundles R&W with D&O across a SPAC’s IPO and de-SPAC combination, so one team handles both. Chubb doesn’t describe a SPAC package and publishes no minimum deal size, so ask whether your deal fits its multinational suite. [2](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage and Solutions for Large Accounts") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Chubb and Gallagher Representations and Warranties Insurance Quotes?

- Ask Gallagher which insurer and form it is quoting. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance")
- For a SPAC or de-SPAC, ask Gallagher how R&W and D&O limits fit together. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare indemnity cap, survival and seller-solvency terms on both forms. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get limit, retention and tax-mitigation terms in writing from both; neither publishes them. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Chubb vs Gallagher Representations and Warranties Insurance Compared

| Criteria | Chubb Representations and Warranties (R&W) Insurance | Gallagher M&A Transactional Insurance (Representations and Warranties) |
| --- | --- | --- |
| Who It’s For | 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. [2](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage and Solutions for Large Accounts") (Evidence: Company-reported; scope: Multinational large-accounts page Specialty Coverage list; R&W page does not itself state deal-size eligibility..) | Gallagher also markets R&W insurance specifically to special-purpose acquisition companies (SPACs), bundling it with D&O coverage across the IPO and de-SPAC process for the business combination. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page, SPAC subsection..) |
| Coverage Features | 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. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: R&W Insurance product page opening description and footnote..)<br><br>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. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: Benefits of a Buyer-Side R&W Insurance Policy section..)<br><br>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. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: Benefits of a Seller-Side R&W Insurance Policy section..) | Gallagher describes providing analysis, custom policy forms and pre-transaction diligence to select markets and deliver R&W and tax-mitigation coverage for both buyers and sellers in M&A deals. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) |
| Role in This Line | Chubb underwrites representations and warranties (R&W) insurance directly, available to either buyers or sellers in an acquisition or merger transaction. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: R&W Insurance product page..) | Gallagher's Executive and Financial Risk practice places representations and warranties (R&W) insurance for mergers and acquisitions with outside carriers; it does not underwrite the policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |

## About Chubb and Gallagher and Representations and Warranties Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties)

## Related Pages for Chubb vs Gallagher Representations and Warranties

- [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher): 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.
- [Chubb Representations and Warranties Insurance](https://spot.insure/insurance-providers/chubb/representations-warranties)
- [Gallagher Representations and Warranties Insurance](https://spot.insure/insurance-providers/gallagher/representations-warranties)

## Sources for Chubb vs Gallagher

### Sources About Chubb

1. [Representations and Warranties (R&W) Insurance](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html). Chubb; R&W Policy Highlights; Benefits of a Buyer-Side R&W Insurance Policy; Benefits of a Seller-Side R&W Insurance Policy. Accessed 2026-09-23.
2. [Multinational Insurance Coverage and Solutions for Large Accounts](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html). Chubb; Specialty Coverage list: Representations & Warranties named among specialty coverages for large US and Canadian multinational companies. Accessed 2026-09-23.

### Sources About Gallagher

3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; M&A Transactional Insurance, including Representations and Warranties and Tax Mitigation Insurance section; Special-Purpose Acquisition Companies (SPACs) section. Accessed 2026-09-23.

Updated 2026-09-25. 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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