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

Chubb underwrites R&W directly for buyers or sellers and directs interested businesses to request a quote; HUB International sends you to a broker to negotiate deal-specific coverage.

Chubb insures R&W itself for either side of a deal, and says buyer-side policies help win auctions and pay beyond the seller's indemnity cap. HUB's M&A practice brokers R&W to reduce or remove escrow, and can add litigation-buyout and tax indemnification cover. ^1,³

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

Insurer on Your Deal vs a Broker Who Shops It

Chubb writes R&W itself for buyers or sellers; its transactional-risk team works the quote with the buyer, seller and their brokers, and cover sits above a retention. HUB's M&A practice brokers R&W from insurers it doesn't name. Choose Chubb if your deal team wants a known insurer and its buyer-side benefits; choose HUB if you want R&W shopped and bundled with other deal-risk cover. ¹ ³

Auction Edge vs Escrow Relief and Extra Covers

Chubb says buyer-side policies strengthen a bid in an auction and let you recover beyond the seller's indemnity cap. HUB frames R&W as a way to reduce or eliminate escrow and bid more competitively, and also places litigation-buyout and tax indemnification cover. If a pending lawsuit or tax exposure threatens the deal, HUB documents a route. ³ ¹

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

Ask HUB which insurer it selects; Chubb issues its own policy. ¹ ³
Compare escrow reduction, indemnity caps and auction-bid conditions on both forms. ³ ¹
Ask HUB whether litigation-buyout or tax cover is part of the same placement. ³
Get the limit and retention on both; neither publishes figures. ¹ ³

Chubb vs HUB International Representations and Warranties Compared

Chubb vs HUB International: Representations and Warranties Insurance: documented features by provider

Criteria	Chubb Representations and Warranties (R&W) Insurance	HUB International Representations and Warranties Insurance
How to Apply	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. ¹Company-reported. R&W Insurance product page quote call-to-action.	HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. ³Company-reported. Product-page call to action as read 2026-09-23.
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. ¹Company-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. ¹Company-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. ¹Company-reported. Benefits of a Seller-Side R&W Insurance Policy section.	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. ³Company-reported. Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim. 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. ³Company-reported. Product-page description of related transactional risk products.
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. ¹Company-reported. R&W Insurance product page.	HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. ³Company-reported. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Chubb Representations and Warranties (R&W) Insurance

HUB International Representations and Warranties Insurance

How to Apply

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. ¹Company-reported. R&W Insurance product page quote call-to-action.

HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. ³Company-reported. Product-page call to action as read 2026-09-23.

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. ¹Company-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. ¹Company-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. ¹Company-reported. Benefits of a Seller-Side R&W Insurance Policy section.

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. ³Company-reported. Product-page description of representations and warranties coverage; the issued policy and its exclusions control an actual claim.

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. ³Company-reported. Product-page description of related transactional risk products.

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. ¹Company-reported. R&W Insurance product page.

HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. ³Company-reported. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer.