---
title: "Gallagher vs USI Insurance Services Representations and Warranties Insurance"
description: "Gallagher’s R&W practice cites custom forms and SPAC bundling; USI folds R&W into private-equity deal diligence and post-close servicing."
canonical: "https://spot.insure/compare/gallagher-vs-usi/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Gallagher vs USI Insurance Services Representations and Warranties Insurance

Gallagher’s R&W practice cites custom forms and SPAC bundling; USI folds R&W into private-equity deal diligence and post-close servicing.

## Research Scope and Use

Use this comparison to evaluate Gallagher and USI Insurance Services 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

Gallagher places R&W through executive-risk specialists who describe custom forms, SPAC-plus-D&O work and dedicated attorneys. USI lists R&W as a private-equity solution for uninsured risk, tied to reviewing the offering memorandum and purchase agreement and to local post-close servicing of the target. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## 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

### Where R&W Sits Inside Each Firm

Gallagher and USI both broker representations and warranties insurance rather than underwrite it. Gallagher houses the work in its Executive and Financial Risk practice, which says it provides analysis, custom policy forms and pre-transaction diligence for buyers and sellers. USI lists “Representations and Warranties Insurance Solutions for Uninsured Risk” inside its Private Equity practice, in the context of reviewing the offering memorandum and purchase-and-sale agreement to identify pre-closing liabilities. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

### Attorneys Versus Post-Close Local Servicing

Gallagher says dedicated attorneys assist with M&A transactional insurance, including R&W, from start to finish. USI says it flags red flags in deal documents, helps define pre-closing liabilities, and keeps a local service team overseeing the target company’s insurance and benefits programs after close, alongside benchmarking and total-cost-of-risk analysis. USI directs inquiries to its published private-equity inquiry address or a local office. Neither page names the R&W insurer or publishes limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

## What to Confirm in Representations and Warranties Insurance Quotes

- Ask Gallagher whether the SPAC D&O bundle is in scope and which custom form the carrier is using. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask USI how the offering-memorandum and purchase-agreement review feeds the R&W underwriting submission. [9](https://www.usi.com/property-casualty/private-equity "Private Equity")
- Confirm whether USI’s post-close local servicing of the target is part of the same engagement as the R&W placement. [9](https://www.usi.com/property-casualty/private-equity "Private Equity")
- Get the issuing insurer, limit and retention from both; those items are not on the reviewed pages. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.usi.com/property-casualty/private-equity "Private Equity")

## Offering Details

| Criteria | Gallagher M&A Transactional Insurance (Representations and Warranties) | USI Private Equity Practice — Representations and Warranties Insurance |
| --- | --- | --- |
| 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. [3](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..) | USI brokers representations and warranties (R&W) insurance as part of its Private Equity practice's deal-support services; it does not underwrite the policy itself. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Private Equity practice page..) |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given transaction's R&W policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | The Private Equity page does not name the insurer USI uses for R&W placements. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Who It’s For | Gallagher also markets R&W insurance specifically to special-purpose acquisition companies (SPACs), bundling it with D&O coverage across the IPO and de-SPAC process for the business combination. [3](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, SPAC subsection..) | USI markets this practice to private equity buyers and sellers working with financial or strategic buyers throughout a merger or acquisition process, not to a general commercial buyer outside a deal context. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Company description of the practice's audience..) |
| 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. [3](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..) | USI lists "Representations and Warranties Insurance Solutions for Uninsured Risk" among its Private Equity practice's offerings, in the context of reviewing the offering memorandum and purchase-and-sale agreement to identify pre-closing liabilities. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Single catalogue line on the practice page; actual insuring agreements, exclusions and the underwriting review process are set by the R&W insurer and the deal's own diligence..) |
| Limits and Retentions | The page does not publish specific R&W limits, retentions or premium ranges. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | The page does not publish limit or retention figures for R&W placements. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Risk Services | Gallagher says it has several dedicated attorneys who assist with M&A transactional insurance placements, including R&W, from start to finish. [3](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..) | USI says it reviews the offering memorandum and purchase-and-sale agreement to flag red flags, helps define pre-closing liabilities, and maintains a local service team overseeing the target company's insurance and benefits programs after close, alongside benchmarking and total-cost-of-risk analysis. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Company description of the deal-support process; R&W insurance is one of several services listed alongside these..) |
| How to Apply | Not described in the reviewed sources. | USI directs private equity and M&A inquiries to pcinquiries@usi.com or a local USI office. [9](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Contact instructions on the Private Equity practice page..) |

## Full Comparison

- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi): 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.
- [Gallagher vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-usi/commercial-property)
- [Gallagher vs USI Insurance Services Crime Insurance](https://spot.insure/compare/gallagher-vs-usi/crime)
- [Gallagher vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/gallagher-vs-usi/cyber)
- [Gallagher vs USI Insurance Services D&O Insurance](https://spot.insure/compare/gallagher-vs-usi/directors-officers)
- [Gallagher vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/gallagher-vs-usi/employee-health-benefits)
- [Gallagher vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-usi/employment-practices)
- [Gallagher vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-usi/fiduciary)
- [Gallagher vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-usi/professional-errors-omissions)
- [Gallagher vs USI Insurance Services Surety Bonds](https://spot.insure/compare/gallagher-vs-usi/surety-bonds)
- [Gallagher vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-usi/workers-compensation)
- [Beazley vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-gallagher/representations-warranties)
- [Beazley vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-usi/representations-warranties)
- [CFC vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-gallagher/representations-warranties)
- [CFC vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-usi/representations-warranties)
- [Chubb vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-gallagher/representations-warranties)
- [Chubb vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-usi/representations-warranties)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### USI Insurance Services

6. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
7. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
8. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
9. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Optimizing Risk from Letter of Intent to Exit; As part of our thorough insurance due diligence, we carefully review the offering memorandum and the purchase-and-sale agreement...; USI's Private Equity Practice offers comprehensive solutions and services, including:...Representations and Warranties Insurance Solutions for Uninsured Risk.... 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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