---
title: "HUB International vs USI Insurance Services Representations and Warranties Insurance"
description: "HUB frames R&W around seller guarantees and escrow; USI ties it to private-equity PSA review and post-close local servicing."
canonical: "https://spot.insure/compare/hub-international-vs-usi/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs USI Insurance Services Representations and Warranties Insurance

HUB frames R&W around seller guarantees and escrow; USI ties it to private-equity PSA review and post-close local servicing.

## Research Scope and Use

Use this comparison to evaluate HUB International 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

HUB brokers R&W as cover for seller contractual guarantees that can reduce escrow, plus litigation buyout and tax indemnification. USI lists R&W solutions for uninsured risk in a Private Equity practice that reviews the offering memorandum and purchase agreement and services the target’s insurance and benefits after close. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [8](https://www.usi.com/property-casualty/private-equity "Private Equity")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](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. [9](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance") [10](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions")

## Key Differences in Representations and Warranties Insurance

### Product Explanation Versus Catalogue Line

HUB and USI both broker R&W. HUB’s M&A page explains that the insurance covers contractual guarantees a seller makes and can reduce or eliminate escrow. USI lists R&W solutions for uninsured risk among Private Equity offerings, without a standalone product explanation of escrow mechanics on the reviewed page. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [8](https://www.usi.com/property-casualty/private-equity "Private Equity")

### Who Is Solicited

HUB frames coverage around buyers and sellers in a business sale but does not publish deal-size thresholds or industries. USI markets the practice to private equity buyers and sellers working with financial or strategic buyers throughout a merger or acquisition, not to a general commercial buyer outside a deal. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [8](https://www.usi.com/property-casualty/private-equity "Private Equity")

### Adjacent Cover Versus Post-Close Servicing

HUB also offers litigation buyout for pending seller litigation and tax indemnification insurance. 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’s insurance and benefits after close, with benchmarking and total-cost-of-risk analysis. HUB routes you to a broker; USI uses its published private-equity inquiry address or a local office. Neither page names the issuing insurer. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [8](https://www.usi.com/property-casualty/private-equity "Private Equity")

## What to Confirm in Representations and Warranties Insurance Quotes

- Ask HUB whether escrow reduction and tax indemnification are in the same quote. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker")
- Ask USI how the purchase-agreement review will identify uninsured R&W risk for the underwriter. [8](https://www.usi.com/property-casualty/private-equity "Private Equity")
- Confirm whether USI’s post-close local team will also handle the R&W policy or only the target’s ongoing programs. [8](https://www.usi.com/property-casualty/private-equity "Private Equity")
- Get the carrier, limit and retention from both; those figures are not published. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [8](https://www.usi.com/property-casualty/private-equity "Private Equity")

## Offering Details

| Criteria | HUB International Representations and Warranties Insurance | USI Private Equity Practice — Representations and Warranties Insurance |
| --- | --- | --- |
| 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. [4](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..) | 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. [8](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Private Equity practice page..) |
| Issuing Insurer | The M&A insurance page does not name an issuing insurer; HUB places representations and warranties coverage with insurers that vary by transaction. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Not found in reviewed sources; scope: Checked the M&A insurance page on 2026-09-23; no carrier is disclosed there..) | The Private Equity page does not name the insurer USI uses for R&W placements. [8](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 | The M&A insurance page frames this coverage around buyers and sellers in a business sale but does not publish deal-size thresholds, industries served, or other eligibility criteria. [4](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") (Evidence: Not found in reviewed sources; scope: Checked the M&A insurance page on 2026-09-23..) | 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. [8](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Company description of the practice's audience..) |
| 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. [4](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. [4](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..) | 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. [8](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 | Not described in the reviewed sources. | The page does not publish limit or retention figures for R&W placements. [8](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Risk Services | Not described in the reviewed sources. | 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. [8](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 | HUB directs you to a broker; the page describes negotiating deal-specific coverage rather than a self-serve quote. [4](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..) | USI directs private equity and M&A inquiries to pcinquiries@usi.com or a local USI office. [8](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Contact instructions on the Private Equity practice page..) |

## Full Comparison

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

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [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.

### USI Insurance Services

5. [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.
6. [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.
7. [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.
8. [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

9. [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.
10. [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 2026-09-23. 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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