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

Gallagher places R&W with outside carriers for buyers and sellers, including SPACs; HUB International brokers R&W protecting buyers against untrue seller guarantees, alongside litigation buyout and tax indemnification insurance.

Gallagher staffs R&W placements with dedicated attorneys who draft custom policy forms and run pre-deal diligence, and it bundles R&W with D&O for SPAC deals. HUB pitches R&W as a way to cut escrow and bid more competitively, and sells tax indemnity and litigation-buyout cover alongside it. ^1,²

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

Attorney-Drafted Forms vs Escrow and Bid Strategy

Both place R&W with outside insurers. Gallagher's Executive and Financial Risk group analyzes deals, writes custom policy forms and runs pre-transaction diligence for buyers and sellers, with several dedicated attorneys on each placement. HUB describes R&W as cover for the guarantees a seller makes in the sale agreement, and says it can reduce or eliminate escrow and help you bid more competitively. Choose Gallagher if you're doing a SPAC deal or need custom wording drafted by attorneys; choose HUB if you also need tax indemnity or cover for pending seller litigation on the same deal. ¹ ²

SPAC Bundling vs Adjacent Deal Products

Gallagher markets R&W to SPACs, bundled with D&O across the IPO and de-SPAC. HUB doesn't describe a SPAC program, but sells litigation buyout (cover for a pending lawsuit against the seller) and tax indemnification alongside R&W. ¹ ²

Who Works Your Deal

HUB sends you to a broker who negotiates deal-specific cover, and doesn't describe a lawyer-staffed team. Neither names the insurer or publishes limits. ¹ ²

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

For a SPAC or de-SPAC, ask Gallagher whether R&W is bundled with your D&O and which insurer is binding it. ¹
Ask HUB whether litigation buyout or tax indemnification can be quoted on the same deal. ²
Get the insurer, limit and retention from both. ¹ ²
Ask both how the wording treats breaches known before closing. ¹ ²

Gallagher vs HUB International Representations and Warranties Compared

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

Criteria	Gallagher M&A Transactional Insurance (Representations and Warranties)	HUB International Representations and Warranties Insurance
Coverage Features	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. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.	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. ²Company-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. ²Company-reported. Product-page description of related transactional risk products.
Role in This Line	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. ¹Company-reported. Group-level executive-and-financial-risk practice page.	HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. ²Company-reported. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Gallagher M&A Transactional Insurance (Representations and Warranties)

HUB International Representations and Warranties Insurance

Coverage Features

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. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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. ²Company-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. ²Company-reported. Product-page description of related transactional risk products.

Role in This Line

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. ¹Company-reported. Group-level executive-and-financial-risk practice page.

HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. ²Company-reported. M&A insurance product page as read 2026-09-23; the page does not name an issuing insurer.