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

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

## Agent Guide

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

**Key facts:**
- Line: Representations and Warranties Insurance. Providers: Gallagher 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:**
- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) — all coverage lines for this pair
- [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 puts dedicated attorneys on R&W placements, drafts custom forms and bundles R&W with D&O for SPACs; HUB pitches R&W as a way to cut escrow and win bids, alongside tax and litigation-buyout cover.

## Gallagher vs HUB International Representations and Warranties Insurance Summary

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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask HUB whether litigation buyout or tax indemnification can be quoted on the same deal. [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Get the insurer, limit and retention from both. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Ask both how the wording treats breaches known before closing. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")

## Gallagher vs HUB International Representations and Warranties Compared

| 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. [1](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..) | 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. [2](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. [2](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 | 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. [1](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..) | HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. [2](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 Gallagher and HUB International

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

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

## Sources for Gallagher vs HUB International

### Sources About Gallagher

1. [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.

### Sources About HUB International

2. [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.

## Agent and Developer Resources

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