---
title: "HUB International vs Lockton: Representations and Warranties Insurance"
description: "HUB places R&W alongside litigation-buyout and tax-indemnity insurance, and says it can cut escrow and make your bid more competitive. Lockton staffs each deal with former M&A lawyers available 24/7, and its claims experts stay involved after binding."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-lockton"
provider-a: "hub-international"
provider-b: "lockton"
coverage-line: "representations-warranties"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Lockton 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 HUB International versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

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

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

HUB International brokers R&W and says it can reduce or eliminate escrow requirements; Lockton places RWI through former M&A lawyers and cites hundreds of millions of dollars of settled RWI claims.

HUB pairs R&W with litigation-buyout and tax insurance for the same deal; Lockton staffs every R&W deal with former M&A lawyers around the clock and keeps dedicated claims experts involved after you bind.

## HUB International vs Lockton Representations and Warranties Insurance Summary

HUB places R&W alongside litigation-buyout and tax-indemnity insurance, and says it can cut escrow and make your bid more competitive. Lockton staffs each deal with former M&A lawyers available 24/7, and its claims experts stay involved after binding. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")

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

### Related Deal Insurance vs a Lawyer-Staffed Deal Team

Both place R&W with insurers rather than underwrite it, and neither names the insurer. HUB’s M&A practice also offers litigation-buyout insurance for a seller’s pending lawsuits and tax-indemnification insurance for the tax treatment of a past, pending or future transaction. Lockton lists no companion products; it staffs each deal with a partner and associate team of former M&A lawyers and transaction advisors, available 24/7. Choose HUB if your deal carries pending litigation or tax exposure you also want insured; choose Lockton if a tight closing timeline needs lawyer-level support. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")

### Escrow and Bidding vs Replacing Seller Indemnity

HUB says R&W protects a buyer if a seller’s contractual guarantees prove untrue and can reduce or eliminate escrow and make your bid more competitive. Lockton describes R&W as replacing or backing up a seller indemnity or escrow, with the insurer paying the buyer for losses from an unknown breach. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")

### Negotiated Coverage vs Claims Support After Binding

HUB sends you to a broker to negotiate deal-specific cover and describes no dedicated R&W claims team. Lockton’s transaction-liability claims experts stay involved after binding, and it says it has helped clients settle hundreds of millions of dollars of R&W claims. If a breach surfaces after closing, Lockton is the one that describes who will help you collect. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")

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

- Ask HUB whether tax indemnification or litigation buyout will be quoted with R&W on your deal. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Ask Lockton who will staff your closing week. [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")
- Ask both whether the quote replaces escrow, and confirm it covers only unknown breaches. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")
- Get the insurer and limit from both; neither publishes them. [1](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA")

## HUB International vs Lockton Representations and Warranties Compared

| Criteria | HUB International Representations and Warranties Insurance | Lockton Representations & Warranties Insurance (RWI) |
| --- | --- | --- |
| Coverage Features | 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. [1](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. [1](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..) | Lockton describes RWI as a policy used to replace or bolster a seller indemnity or escrow in an M&A transaction, under which an insurer indemnifies the buyer for losses from an unknown breach of a representation or warranty in the deal agreement. [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA") (Evidence: Company-reported; scope: RWI product page as read 2026-09-23. General description of how the product functions, not a specimen policy..) |
| Role in This Line | HUB brokers representations and warranties insurance as part of its mergers and acquisitions (transactional risk) practice, rather than underwriting the policy itself. [1](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..) | Lockton's RWI Practice is staffed with former M&A lawyers and transaction advisors who Lockton says use a Partner/Associate model on every deal to provide 24/7 coverage; Lockton places RWI policies rather than underwriting them. [2](https://global.lockton.com/us/en/products-services/representation-warranties-insurance "Representations & Warranties Insurance | Lockton USA") (Evidence: Company-reported; scope: RWI product page as read 2026-09-23..) |

## About HUB International and Lockton and Representations and Warranties

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties)

## Related Pages for HUB International vs Lockton

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

## Sources for HUB International vs Lockton

### Sources About HUB International

1. [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.

### Sources About Lockton

2. [Representations & Warranties Insurance | Lockton USA](https://global.lockton.com/us/en/products-services/representation-warranties-insurance). Lockton; The Certain Solution for Transactional Risk; Why clients consider RWI versus traditional indemnity; Seller/Buyer benefits; Claims. 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

- [Markdown page](https://spot.insure/compare/hub-international-vs-lockton/representations-warranties.md)
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