---
title: "Chubb vs HUB International: Representations and Warranties Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-hub-international/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-hub-international"
provider-a: "chubb"
provider-b: "hub-international"
coverage-line: "representations-warranties"
---

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

## Agent Guide

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

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

**Related pages:**
- [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) — 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
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 directly for buyers or sellers, with buyer-side benefits in auctions and beyond the seller's indemnity cap, while HUB brokers R&W to cut escrow and adds litigation-buyout and tax cover.

## Chubb vs HUB International Representations and Warranties Insurance Summary

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](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## 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](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

### 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](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](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. [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [1](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 cover is part of the same placement. [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Get the limit and retention on both; neither publishes figures. [1](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [3](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## Chubb vs HUB International Representations and Warranties Compared

| 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. [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 quote call-to-action..) | 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 | 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..) | 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 | 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..) | 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 Chubb and HUB International and Representations and Warranties

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/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 Chubb vs HUB International

- [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 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)
- [HUB International Representations and Warranties Insurance](https://spot.insure/insurance-providers/hub-international/representations-warranties)

## Sources for Chubb vs HUB International

### 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 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 2026-09-25. 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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