---
title: "Chubb vs HUB International Representations and Warranties Insurance"
description: "Chubb underwrites R&W with named buyer- and seller-side benefits; HUB brokers it to cut escrow and support competitive bids."
canonical: "https://spot.insure/compare/chubb-vs-hub-international/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-24"
---
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# Chubb vs HUB International Representations and Warranties Insurance
Chubb underwrites R&W with named buyer- and seller-side benefits; HUB brokers it to cut escrow and support competitive bids.
## Research Scope and Use
Use this comparison to evaluate Chubb 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
Chubb underwrites R&W and lists auction and collectability benefits on buyer-side policies. HUB places the line through its M&A practice, describing reduced escrow and more competitive bidding, plus litigation-buyout and tax indemnification products. [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
## What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
[Chubb profile](https://spot.insure/insurance-providers/chubb)
## 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
### Who Writes the Policy
Chubb underwrites R&W for either party and works the quote through its transactional-risk team with the deal’s buyer, seller and brokers. [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
### Escrow, Auction and Adjacent Covers
HUB describes R&W as covering contractual guarantees a seller makes, protecting a buyer if those guarantees are untrue, and as a way to reduce or eliminate escrow and support more competitive bidding. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance")
## What to Confirm in Representations and Warranties Insurance Quotes
- Confirm Chubb is the issuer on its quote and get HUB’s selected insurer. [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Compare escrow reduction, indemnity caps and auction-bid conditions on both forms. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance")
- Ask HUB whether litigation-buyout or tax indemnification is part of the same placement. [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Get limit and retention; both reviewed pages omit numbers, though Chubb states cover is excess of a retention. [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [9](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
## Offering Details
| Criteria | Chubb Representations and Warranties (R&W) Insurance | HUB International Representations and Warranties Insurance |
| --- | --- | --- |
| 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. [4](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..) | 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 | Not described in the reviewed sources. | 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 | 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. [5](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..) | 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 | 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. [4](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..)
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. [4](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..)
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. [4](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..) | 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..)
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 | The reviewed pages state that coverage applies in excess of a retention but do not publish specific limit, retention or premium figures; Chubb describes R&W policies as negotiated deal-by-deal. [4](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Not found in reviewed sources; scope: R&W Insurance product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [4](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 quote call-to-action..) | 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..) |
## Full Comparison
- [Chubb vs HUB International](https://spot.insure/compare/chubb-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.
- [Chubb vs HUB International Builders Risk Insurance](https://spot.insure/compare/chubb-vs-hub-international/builders-risk)
- [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy)
- [Chubb vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-hub-international/cargo-transit)
- [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto)
- [Chubb vs HUB International Commercial Property Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-property)
- [Chubb vs HUB International Crime Insurance](https://spot.insure/compare/chubb-vs-hub-international/crime)
- [Chubb vs HUB International Cyber Insurance](https://spot.insure/compare/chubb-vs-hub-international/cyber)
- [Chubb vs HUB International D&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/directors-officers)
- [Chubb vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/employment-practices)
- [Chubb vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-hub-international/equipment-breakdown)
- [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary)
- [Chubb vs HUB International General Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/general-liability)
- [Chubb vs HUB International Inland Marine Insurance](https://spot.insure/compare/chubb-vs-hub-international/inland-marine)
- [Chubb vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-hub-international/kidnap-ransom)
- [Chubb vs HUB International Management Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/management-liability)
- [Chubb vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-hub-international/professional-errors-omissions)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds)
- [Chubb vs HUB International Tech E&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/technology-errors-omissions)
- [Chubb vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/umbrella-excess)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)
- [Beazley vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-chubb/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 HUB International Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-hub-international/representations-warranties)
- [Chubb vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-corgi/representations-warranties)
- [Chubb vs Coverdash Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-coverdash/representations-warranties)
## Sources
### Chubb
1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [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.
5. [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.
### 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 2026-09-24. 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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