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Best Transactional Risk Insurance Firms in USA

Non-sponsored, Expert Verified and Transparently Ranked Transactional Risk Insurance Firms in USA

Published: December 30, 2025 | Verified by: Ted Scheiman & Rob Watts

Executive Summary

We analyzed 5 solutions. Top Recommendation: Representations and Warranties Insurance by Ambridge (MGA) scored highest due to Best for middle‑market and healthcare deals needing tailored policy structures and sector expertise. Provides up to $125M capacity and up to seven‑year terms with SME and healthcare teams [1](https://ambridge-group.com/products/representations-and-warranties), backed by a specialized U.S. MGA platform [2](https://ambridge-group.com/ambridge-group/ambridge-partners-us) and complementary legal contingency solutions [3](https://ambridge-group.com/products/contingency/legal-contingency)..

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December 30, 2025
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Evidence Coverage

Side-by-Side Comparison

Feature#1 Representations and Warranties Insurance (Ambridge (MGA))#2 Tax Liability Insurance (Liberty GTS (Liberty Mutual))#3 Mergers & Acquisitions Liability (AIG)#4 Tax Liability Insurance (Euclid Transactional (MGA))#5 Business Insurance (Chubb)
Best ForBest for middle‑market and healthcare deals needing tailored policy structures and sector expertise. Provides up to $125M capacity and up to seven‑year terms with SME and healthcare teams [1], backed by a specialized U.S. MGA platform [2] and complementary legal contingency solutions [3].Best for active U.S. dealmakers seeking an experienced, high‑throughput underwriter with deep claims resources. Provides up to $100M capacity and one of the industry’s largest specialist teams [1], with on‑the‑ground U.S. underwriting and regional expertise [2].Best for large strategic acquirers and private equity sponsors needing high limits and global execution. Offers up to $100M limits and multinational support for cross‑border deals [1], while RWI is widely used to streamline private M&A negotiations and timelines [2], [3].Best for private equity and corporate acquirers prioritizing speed, experience, and claims reliability. Demonstrates industry‑leading scale and claims paid [1], detailed R&W coverage for core diligence areas [2], and carrier‑backed program access (e.g., via CNA) [3].Best for corporate buyers and sponsors wanting a single carrier for both unknown and identified deal risks. Offers R&W to backstop unknown breaches [1] and contingent liability solutions for identified exposures, expediting closing [2], supported by a global transactional risk team [3].
Capacity LimitsPer-risk capacity up to $125 million; limits offered can be up to 100% of the transaction consideration. (ambridge-group.com)Up to $125M (USD) per Tax Liability Insurance policy (line size). (libertygts.com)R&W: up to $100M per transaction. (aig.com) Tax Liability: up to $50M policy limits. (aig.com) AIG also notes capacity to write R&W, Tax and Contingent Liability policies with limits up to $100M. (aig.com)Up to $81 million per tax transaction; minimum limit typically $5 million (smaller limits occasionally considered). Program-level capacity up to $90 million per transaction. (euclidtransactional.com) (euclidprograms.com)Up to $50M per policy for Transactional Risk: Representations & Warranties, Tax Indemnity, and Contingent Liability. R&W policy size commonly equals 10, 20% of enterprise value, subject to underwriting. (news.na.chubb.com)
Claims Handling ExpertiseStreamlined, efficient claims process; Ambridge works closely with Brit to monitor claims, ensuring seamless continuity from underwriting through claim evaluation. Policies are written for clarity and transparency to facilitate claims. (ambridge-group.com)Dedicated M&A claims team with private‑practice and Lloyd’s market experience, specializing in complex M&A claims. Claims collaborates with underwriters from contract inception for policy familiarity and timely, considered responses. Americas operations are supported by dedicated, expert claims resources, and Liberty GTS issues data‑driven claims briefings to guide clients. (libertygts.com) (libertygts.com)Dedicated, in‑house claims professionals specializing in complex M&A disputes, leveraging decades of experience to process claims swiftly with proven claims‑paying ability. As a single insurer, AIG manages claims end‑to‑end with authority to settle quickly. In 2023, it paid $9.3B in North America claims and operates 150+ claims offices across 45+ countries. (aig.com)Largest dedicated claims team in the industry (20+ specialists) delivering commercial, efficient resolutions; over $1.5B paid in claims. In 2024, tax claims were ~15% of Euclid’s paid claims, demonstrating strong tax-claims experience. (euclidtransactional.com)24/7 claims response via a dedicated center; 2, 000+ North America claims professionals; dedicated claims lead (for larger clients) and specialized teams including Transactional Risk; global service in 140+ languages; 92% of paid-claim clients highly satisfied (2022, 2024 survey). (chubb.com)
Underwriting Track RecordSME R&W underwriting since 2015; Healthcare R&W underwriting since 2016, via dedicated specialist teams. Ambridge also manages $450M+ US and $110M+ international premium across products, indicating scale and experience. (ambridge-group.com)Proven TLI underwriting track record: Liberty GTS has insured and quoted tax risks globally (U.S., U.K., EU, APAC), has extensive experience leading multi-insurer towers, and a documented record insuring U.S. renewable‑energy tax credit policies. (libertygts.com)Underwriting since the late 1990s; over 7, 000 deals insured globally; $1.4B paid in R&W claims; among the largest global M&A underwriting teams. (aig.com)Tax insurance track record: 90 policies bound in 2023; 52 in Q2 2024; 130 through Q3 2024 (44% above 2023), supported by a 13‑person global tax team; first APAC-based tax underwriter added in 2025. (euclidtransactional.com)Record, profitable underwriting: 2024 P/C underwriting income ~$5.9B with an 86.6 combined ratio; three‑year average combined ratio 86.9. Financial strength underscores consistency: A++ (AM Best) and AA (S&P). (about.chubb.com)
5 Companies Listed
1Ambridge (MGA) logo
Ambridge (MGA)

Representations and Warranties Insurance

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Last Updated: December 30, 2025
ambridge-group.com

Ambridge (MGA)Company Information

Industry: Insurance
API: No

Description

Ambridge Partners LLC, part of the Ambridge Group, is a managing general underwriter specializing in Transactional Insurance, Specialty Casualty, Management Liability, Professional Liability, Cyber, and Reinsurance products.

What They Do

Provide specialty insurance solutions in various sectors, including risk management and transactional insurance.

Who They Serve

Businesses and organizations requiring specialized insurance products, including public companies, financial institutions, and non-profits.

Key Value Propositions

Specialized insurance solutions
Expertise in specialty risks
Global insurance capabilities

Target Customers

Businesses
Public Companies
Startups
Financial Institutions
Non-Profits

Industries Served

Insurance
Financial Services
Cybersecurity
Healthcare
Non-Profit
Public Entities

Contact Information

Social Media

Navigation Links

Summary

Ambridge’s DisclosureGap R&W policies address negotiation gaps over reps scope, survival, caps, and recourse. The offering features capacity up to $125M and multi‑year terms, with specialized SME and healthcare underwriting teams in the U.S.

Key Features

  • Per risk capacity up to $125 million
  • Multi-year (single aggregate) policies with terms up to 7 years
  • Limits offered can be up to 100% of the transaction consideration
  • Typical premium rate on line ranges from 2% to 3.5%
  • Minimum retentions typically the greater of $250, 000-$300, 000 and 1% of the purchase price
  • Policies can extend time limits and financial caps beyond what is agreed in the transaction agreement
  • Provides a financial backstop for obligations resulting from breaches
  • Can provide a 'clean exit' for sellers

Who Is It For

  • Buyers of businesses (to cover claims for breaches of representations and warranties)
  • Sellers of businesses (to cover claims brought by buyers for breaches)
  • Any party to a transaction agreement
  • SMEs (transactions with consideration between $10M and $75M)
  • Healthcare industry participants (both providers and business associates), regardless of transaction size

Use Cases

  • When there is an imbalance in negotiating power between parties
  • Disagreements on allocation of financial responsibility for breaches
  • When a party cannot retain material liabilities
  • Concerns about the covenant strength of a party

Reps & Warranties/W&I

Per risk capacity up to $125m. Multi-year (single aggregate) policies with policy terms of up to 7 years.

Overview

Our DisclosureGap® Representations & Warranties Insurance policies provide insurance for loss incurred as a result of the breach or inaccuracy of representations and warranties made in a transaction agreement. Designed to bridge the gap between differing requirements of parties regarding scope, time limits, financial caps, and recovery security.

  • Scope of the representations and warranties
  • Time limit for claims
  • Financial cap on losses
  • Method of securing recovery

SME Focused Team

Our SME-focused team has been providing insurance solutions since 2015. Supported by internal Legal, IP, financial, tax and healthcare expertise. Can respond to transactions involving target companies with operations outside the US.

  • Focus: SME transactions ($10M-$75M consideration)
  • Limits up to 100% of transaction consideration
  • Premium rate: 2%-3.5%
  • Minimum retentions: greater of $250-300K and 1% of purchase price

Healthcare Focused Team

Our Healthcare focused team has been providing insurance solutions since 2016. Supported by internal Legal, IP, financial, tax and healthcare expertise. Can respond to transactions involving target companies with operations outside the US.

  • Focus: Healthcare industry transactions (no consideration limit)
  • Tailored for healthcare providers and business associates
  • Premium rate: 2%-3.5%

DisclosureGap®

DisclosureGap® policies address situations where a party cannot obtain the contractual protection it requires for potential breaches of representations and warranties.

  • Imbalance in negotiating power
  • Disagreements on financial responsibility
  • Inability to retain material liabilities
  • Questions about covenant strength

DisclosureGap® policies can be utilized to:

  • Enhance a bidder’s offer by insuring items not covered in the agreement
  • Extend time limits and/or financial caps for claims
  • Provide a financial backstop for obligations
  • Enable a clean exit for sellers

DisclosureGap® policies can be used by:

  • Seller(s) of a business
  • Buyer of a business
  • Any party to a transaction

Downloads

FAQs and Case Studies available.

  • FAQs
  • Case studies

Resources

Supporting Resources

Detailed Comparison

Capacity Limits

Per-risk capacity up to $125 million; limits offered can be up to 100% of the transaction consideration. (ambridge-group.com)

Claims Handling Expertise

Streamlined, efficient claims process; Ambridge works closely with Brit to monitor claims, ensuring seamless continuity from underwriting through claim evaluation. Policies are written for clarity and transparency to facilitate claims. (ambridge-group.com)

Underwriting Track Record

SME R&W underwriting since 2015; Healthcare R&W underwriting since 2016, via dedicated specialist teams. Ambridge also manages $450M+ US and $110M+ international premium across products, indicating scale and experience. (ambridge-group.com)
2Liberty GTS (Liberty Mutual) logo
Liberty GTS (Liberty Mutual)
Last Updated: December 30, 2025
libertygts.com

Liberty GTS (Liberty Mutual)Company Information

Industry: Insurance

Description

As one of the largest global mergers and acquisitions (M&A) insurance teams in the industry, Liberty Global Transaction Solutions (GTS) has the scope for transactions of many types and sizes. With more than 90 specialists, Liberty GTS has helped facilitate more than 1,500 M&A deals a year on average, successfully insuring thousands of transactions since its inception.

What They Do

They provide transactional risk products, including Representations & Warranties/Warranty & Indemnity Insurance and Tax Liability Insurance.

Who They Serve

Businesses involved in mergers and acquisitions.

Key Value Propositions

Global presence
Experienced team
Dedicated M&A Claims team
Cross-border collaboration

Target Customers

Corporate buyers
Investors
Financial institutions

Industries Served

Insurance
Finance
Mergers and Acquisitions

Contact Information

Social Media

Summary

Liberty GTS is a dedicated global M&A insurance unit offering R&W/W&I and Tax Liability solutions, with capacity up to $100M per risk. Its U.S. team operates from New York, Boston, and Houston, underwriting domestic and cross‑border transactions.

Key Features

  • Coverage for specific, identified tax risks uncovered during due diligence or post-closing
  • Protection against unexpected back taxes, interest, fees, and penalties
  • Applicable to both pre- and post-closing tax liabilities
  • Can be structured to address the needs of multiple sellers

Key Benefits

  • Reduces or eliminates exposure to specific, identified tax-related risks
  • Shifts responsibility for tax contingencies from insured to insurer
  • Minimizes financial risk and exposures
  • Reduces friction between buyers and sellers
  • Enables both parties to move forward quickly and confidently
  • Provides sellers with clarity on liabilities via a single, calculated insurance premium
  • Helps sellers avoid tying up funds in escrow accounts for extended periods
  • Limits each seller’s exposure to one another in deals with multiple sellers
  • Reassures buyers and lenders that outstanding tax liabilities may be covered

Who Is It For

  • Buyers in M&A transactions
  • Sellers in M&A transactions
  • Lenders involved in M&A deals

Use Cases

  • M&A transactions where tax liabilities are identified during due diligence
  • Situations where post-closing tax authority rulings or challenges may arise
  • Deals where sellers want to avoid long-term escrow of proceeds
  • Buyers seeking to protect against unknown or unexpected tax exposures

Tax Liability Insurance

Our tax liability insurance can help a buyer or seller reduce or eliminate its exposure to a specific, identified risk of a tax-related loss. GTS Tax Liability Insurance shifts the responsibility for tax contingencies from the insured to the insurer—minimizing financial risk and exposures and reducing the friction between buyers and sellers.

Tax Liability Insurance for Sellers: Removing uncertainties from the equation—and the balance sheets.

Post-closing rulings and challenges by tax authorities can prevent the distribution of proceeds while liabilities are determined. Sellers often set aside funds in escrow accounts for up to seven years. GTS Tax Liability Insurance gives sellers peace of mind with a single, calculated insurance premium and can limit each seller’s exposure to one another.

Tax Liability Insurance for Buyers: Optimizing the investment, minimizing the exposure.

M&A deals are a huge investment for buyers. Unknown tax liabilities, pre- or post-closing, can turn a lucrative deal into a financial disaster. GTS Tax Liability Insurance reassures buyers and lenders that outstanding liabilities may be covered.

Thought leadership

Insight article: Tax Liability Insurance – A strategic tool during unsettling times (10 Sept 2020).

Downloads

GTS Global Tax Liability Insurance Brochure available for download.

Resources

Supporting Resources

Detailed Comparison

Capacity Limits

Up to $125M (USD) per Tax Liability Insurance policy (line size). (libertygts.com)

Claims Handling Expertise

Dedicated M&A claims team with private‑practice and Lloyd’s market experience, specializing in complex M&A claims. Claims collaborates with underwriters from contract inception for policy familiarity and timely, considered responses. Americas operations are supported by dedicated, expert claims resources, and Liberty GTS issues data‑driven claims briefings to guide clients. (libertygts.com) (libertygts.com)

Underwriting Track Record

Proven TLI underwriting track record: Liberty GTS has insured and quoted tax risks globally (U.S., U.K., EU, APAC), has extensive experience leading multi-insurer towers, and a documented record insuring U.S. renewable‑energy tax credit policies. (libertygts.com)
Last Updated: December 30, 2025
aig.com

AIGCompany Information

Industry: Agriculture
API: No

Description

For more than 150 years, Great American Insurance Group has been trusted to protect what matters most to their customers by offering specialized coverages tailored to meet unique business needs.

What They Do

Provides specialty insurance solutions tailored to various industries.

Who They Serve

Businesses of all sizes across multiple sectors.

Key Value Propositions

Established history of financial strength
Wide range of specialized coverage
Expertise in niche markets

Target Customers

Businesses
Farmers and ranchers
Healthcare providers
Nonprofits
Public sector entities

Industries Served

Agriculture
Construction
Education
Equine
Energy
Financial Institutions
Healthcare
Hospitality & Entertainment
Manufacturing
Marine
Nonprofits & Social Services
Professional Services
Public Entity
Real Estate & Property Management
Retail & Wholesale
Transportation
Warehousing

Contact Information

Summary

AIG’s RWI helps buyers and sellers in U.S. M&A transactions transfer unknown breach risks, with limits up to $100M and typical retentions stepping down over time. It supports deal sizes from ~$25M to $4B+ and is backed by a specialized claims team.

Key Features

  • Primary and excess Representations & Warranties insurance
  • Tax Indemnity insurance for known tax issues (including damages for taxes, interest, penalties, and gross-up)
  • Tax Credit insurance for legal risks associated with investments in tax credits
  • Coverage for transactions where the target company is based in the U.S. or Canada and U.S. or Canadian law is applicable
  • Policy limits up to $25 million for tax exposures
  • Highly customized coverage from a dedicated team of underwriters, legal, tax, and accounting experts
  • Experienced claims handling
  • A+ rated carrier backing

Key Benefits

  • Mitigates risks for both buyers and sellers in M&A transactions
  • Facilitates deal closings by providing risk transfer solutions
  • Responsive and flexible underwriting process
  • Access to a team with over 15 years of M&A underwriting experience

Who Is It For

  • Buyers and sellers involved in M&A transactions
  • Clients seeking to mitigate transactional risks in mergers and acquisitions
  • Businesses with target companies based in the United States or Canada

What is M&A Insurance?

M&A insurance provides protections designed to help both buyers and sellers mitigate risks and facilitate the closing of a deal. This type of insurance includes coverage for Representations and Warranties, Tax Indemnity, and Tax Credit insurance.

  • Representations & Warranties Insurance: Safeguards business deals against losses resulting from breaches of representations and warranties. Available for transactions where the target company is based in the U.S. or Canada and U.S. or Canadian law is applicable.
  • Tax Credit Insurance: Covers legal risks associated with investments in tax credits.
  • Tax Indemnity Insurance: Addresses known tax issues, including potential damages for taxes, interest, penalties, and gross-up. Appetite for exposures under U.S. or Canadian law. Policy limits up to $25 million.

Why Choose Great American for Mergers & Acquisitions Insurance?

The team has more than 15 years of underwriting experience, is highly responsive and flexible, and offers policies backed by a dedicated team of experts and an A+ rated carrier.

  • Dedicated team of seasoned underwriters, legal, tax and accounting experts
  • Highly customized coverage
  • Experienced claims handling
  • A+ rated carrier, committed to long-term engagement

Products

Specific insurance products offered under Mergers & Acquisitions Liability.

  • Representations & Warranties Insurance
  • Tax Credit Insurance
  • Tax Indemnity Insurance
  • Carbon Protect

Resources

Supporting Resources

Detailed Comparison

Capacity Limits

R&W: up to $100M per transaction. (aig.com) Tax Liability: up to $50M policy limits. (aig.com) AIG also notes capacity to write R&W, Tax and Contingent Liability policies with limits up to $100M. (aig.com)

Claims Handling Expertise

Dedicated, in‑house claims professionals specializing in complex M&A disputes, leveraging decades of experience to process claims swiftly with proven claims‑paying ability. As a single insurer, AIG manages claims end‑to‑end with authority to settle quickly. In 2023, it paid $9.3B in North America claims and operates 150+ claims offices across 45+ countries. (aig.com)

Underwriting Track Record

Underwriting since the late 1990s; over 7, 000 deals insured globally; $1.4B paid in R&W claims; among the largest global M&A underwriting teams. (aig.com)
4Euclid Transactional (MGA) logo
Euclid Transactional (MGA)
Last Updated: December 30, 2025
euclidtransactional.com

Euclid Transactional (MGA)Company Information

Industry: Insurance

Description

Euclid Transactional is a leading underwriter of transactional insurance products used by strategic and financial investors to insure against breaches of representations and warranties in an acquisition agreement, uncertain tax positions, and contingent liabilities.

What They Do

They underwrite transactional insurance products, including representation and warranties, tax liability, and contingent liability insurance.

Who They Serve

Strategic and financial investors involved in acquisitions and dealing with uncertain tax positions and contingent liabilities.

Key Value Propositions

Unparalleled claims handling
Support in deal execution
Extensive industry experience
Security through capital strength of partners

Target Customers

Strategic investors
Financial investors
Companies involved in M&A

Industries Served

Insurance
Finance
Mergers and Acquisitions

Social Media

Summary

Euclid Transactional underwrites R&W, Tax Liability, and Contingent Liability insurance for M&A, backed by a panel of A‑rated carriers. Since 2016 it has placed 9, 100+ policies, insured $8T+ in deal value, and paid $1.5B+ in claims.

Key Features

  • Coverage for tax owed
  • Coverage for associated interest, fines, or penalties
  • Coverage for costs related to defending the tax position
  • Optional 'gross-up' coverage to compensate for income taxes assessed on insurance proceeds
  • Subject to terms, conditions, and satisfactory underwriting

Key Benefits

  • Limits uncertainty and risk of tax positions
  • Protects against identified, supportable tax positions not qualifying for intended treatment
  • Enables buyers to avoid self-insuring or negotiating indemnity/escrow
  • Allows sellers to insulate themselves from indemnity obligations
  • Provides an alternative to private letter rulings, which may be unavailable or time-consuming

Who Is It For

  • Taxpayers
  • Tax advisors
  • Buyers in M&A transactions
  • Sellers in M&A transactions
  • Businesses facing uncertain tax positions

Use Cases

  • Mergers and acquisitions (M&A) transactions with uncertain tax positions
  • Strategic business decisions involving complex tax positions

Tax Liability Insurance

The global tax system is complex and ever-changing, inherently leading to challenging business decisions for taxpayers and their advisors. Tax liability insurance limits the uncertainty and risk of tax positions – whether in the context of an M&A deal or a strategic position. Tax liability insurance is an efficient risk management tool that protects against identified, supportable tax positions not qualifying for their intended tax treatment.

Why use Tax Liability Insurance?

In the M&A context, uncertain tax positions often lead to tense negotiations that can force the parties to walk away from a deal. With tax liability insurance, buyers can avoid self-insuring the risk or negotiating an indemnity/escrow and sellers can insulate themselves from an indemnity obligation. Regardless of an opinion’s strength, no tax position is free from doubt. Private letter rulings are not always available and can take time and energy to procure. As a result, tax liability insurance is an ideal solution to protect against a tax position not qualifying for its intended treatment.

Extent of coverage

Subject to certain terms and conditions and satisfactory underwriting, tax insurance policies provide coverage for the tax owed, any associated interest, fines or penalties, and the costs related to defending the position. Coverage may also include a ‘gross-up’ to compensate for any income taxes assessed on the receipt of the insurance proceeds.

  • Coverage for tax owed
  • Coverage for associated interest, fines, or penalties
  • Coverage for costs related to defending the position
  • Coverage may include a ‘gross-up’ for income taxes on insurance proceeds

Resources

Detailed Comparison

Capacity Limits

Up to $81 million per tax transaction; minimum limit typically $5 million (smaller limits occasionally considered). Program-level capacity up to $90 million per transaction. (euclidtransactional.com) (euclidprograms.com)

Claims Handling Expertise

Largest dedicated claims team in the industry (20+ specialists) delivering commercial, efficient resolutions; over $1.5B paid in claims. In 2024, tax claims were ~15% of Euclid’s paid claims, demonstrating strong tax-claims experience. (euclidtransactional.com)

Underwriting Track Record

Tax insurance track record: 90 policies bound in 2023; 52 in Q2 2024; 130 through Q3 2024 (44% above 2023), supported by a 13‑person global tax team; first APAC-based tax underwriter added in 2025. (euclidtransactional.com)
Last Updated: December 30, 2025
chubb.com

ChubbCompany Information

Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.

Industry: Insurance
Type: public
Employees: over-10K
Founded: 1882
Location: Frankfurt am Main, HE
Revenue: over 1b
Stock: NYSE:CB (NASDAQ)
Phone: +49 69 75613 0

Keywords

insurance
liability
property
cyber
life sciences
exclusive cars
masterpiece
property and casualty
health insurance
reinsurance

Description

At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.

What They Do

Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.

Who They Serve

Individuals, families, businesses, agents, and brokers.

Key Value Propositions

Exceptional service
Customized coverage
Award-winning claims satisfaction

Target Customers

Individuals
Families
Businesses
Agents
Brokers

Industries Served

Insurance

Contact Information

Summary

Chubb provides a suite of transactional risk coverages, including R&W, Tax Liability, and Contingent Liability, to help accelerate U.S. M&A deals and protect both buyers and sellers from unknown or specific identified risks.

Key Features

  • Customizable insurance products (liability, cyber, property, accident & health, etc.)
  • Industry-specific solutions across 30+ industry practices
  • Risk engineering and consulting services
  • Claims support and business income consultation
  • Coverage for businesses of all sizes
  • Global reach and multinational capabilities

Key Benefits

  • Tailored insurance solutions for unique business needs
  • Coverage for a wide range of industry-specific risks
  • Access to risk specialists and nearly 500 in-house risk engineers
  • World-class claims service with high satisfaction rates
  • Financial strength and stability
  • Strategic partnership and insights for large and multinational businesses

Who Is It For

  • Small businesses (startups to established local businesses)
  • Large and multinational businesses
  • Businesses across 30+ specialized industries
  • Companies seeking tailored risk solutions

Tailored business insurance solutions

Chubb has protected businesses of all sizes, their employees and their reputations against industry-specific risks for more than 200 years. Let our risk specialists work to find the right business insurance coverage for your unique needs.

Products, services, industry expertise

Chubb’s expertise spans 30 specialized Industry Practices. Working together, our underwriters, risk and claims professionals tailor industry-specific solutions for each of our clients.

  • Explore by industry: 30+ specialized industry practices
  • Explore by product: Liability, cyber, property, accident and health
  • Explore our services: Risk engineering, claims support, income consultation

Insuring businesses of all sizes

Small businesses at every stage look to Chubb for robust protections, world-class claims service, industry-specific knowledge and coverage options that insure against risks as they grow. Large & multinational businesses rely on Chubb for strategic partnership, insights, premium products and services, stability, financial strength and insurance industry leadership.

  • Small businesses: robust protections, claims service, industry knowledge
  • Large & multinational businesses: strategic partnership, insights, premium products

Business insurance excellence by the numbers

#1 Commercial lines insurer in the U.S.; 200+ years of experience; $21B claims paid globally (2023); 92% overall claims satisfaction (clients with a paid claim across 2022-2023)

  • #1 Commercial lines insurer in the U.S.
  • 200+ years of experience
  • $21B claims paid globally (2023)
  • 92% overall claims satisfaction (2022-2023)

Unique risk solutions across industries

Chubb’s industry practice specializations continue to grow in response to rising business segments, ensuring that our capabilities and products align strategically to the evolving risks that matter most in your industry.

  • 30+ industry practices
  • Industry-specific risk solutions

Prepare and prevent with Chubb Risk Consulting

Chubb’s in-house network of nearly 500 risk engineers helps businesses anticipate and minimize costly exposures. The Chubb Risk Engineering Center offers services on fire protection, equipment breakdown, worker safety and more.

  • Fire protection
  • Equipment breakdown
  • Worker safety
  • Next generation risk management

Insights & expertise

Learn more about market conditions and risks that affect your industry, leverage tips and strategies for protecting your business and see Chubb’s expertise in action with white papers, articles, and success stories.

  • Evolving risks for the middle market
  • Insurance costs depend on 4 factors
  • Navigating risks in cleanrooms
  • Cold weather safety tips for employees
  • 4 steps for creating a safer worksite
  • When middle markets go multinational

Get a business insurance quote that fits your business

Whether your business is large or small, we’ll leverage our premium products and services to create a plan that protects your business, your employees and your reputation. Talk to Chubb today.

Resources

Supporting Resources

Detailed Comparison

Capacity Limits

Up to $50M per policy for Transactional Risk: Representations & Warranties, Tax Indemnity, and Contingent Liability. R&W policy size commonly equals 10, 20% of enterprise value, subject to underwriting. (news.na.chubb.com)

Claims Handling Expertise

24/7 claims response via a dedicated center; 2, 000+ North America claims professionals; dedicated claims lead (for larger clients) and specialized teams including Transactional Risk; global service in 140+ languages; 92% of paid-claim clients highly satisfied (2022, 2024 survey). (chubb.com)

Underwriting Track Record

Record, profitable underwriting: 2024 P/C underwriting income ~$5.9B with an 86.6 combined ratio; three‑year average combined ratio 86.9. Financial strength underscores consistency: A++ (AM Best) and AA (S&P). (about.chubb.com)

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Our Ranking Methodology

How we rank these offerings

We ranked these Transactional Risk Insurance Firms in USA using a weighted scoring formula: [Capacity Limits] (40%), [Claims Handling Expertise] (30%), [Underwriting Track Record] (30%). N/A values receive 0 points. Ambridge ranked highest with 92 due to top-tier capacity, strong claims process, and a solid, specialist underwriting record. Companies with lower capacity or less specialized M&A underwriting/claims experience scored lower.

Ranking Criteria Weights:

40%
High capacity limits are critical for large-scale M&A transactions, reducing financial exposure for buyers and sellers.
35%
Effective claims management is essential to ensure that claims are resolved swiftly, minimizing disruption during M&A processes.
25%
A strong underwriting track record indicates reliability and the ability to assess and manage risks accurately in complex transactions.
Rankings last updated: 12/30/2025

Frequently Asked Questions

What are the typical costs and pricing models for Transactional Risk Insurance in the USA?
Transactional Risk Insurance costs typically depend on several factors including deal size, risk assessment, and coverage limits. For instance, AIG’s RWI offers coverage with limits up to $100M for M&A transactions, featuring pricing models that involve stepping down retentions over time. This tiered retention model provides flexibility and affordability to both small and large transactions, ranging from $25M to $4B+, thus accommodating diverse financial strategies.
What key criteria should businesses consider when selecting a Transactional Risk Insurance provider?
When selecting a provider, businesses should assess underwriting capacity, geographical presence, and specialized expertise. For example, Liberty GTS provides a robust underwriting capacity of up to $100M per risk and benefits from a U.S. team operating in major financial hubs such as New York, Boston, and Houston, which facilitates better risk assessment for both domestic and cross-border transactions. Additionally, firms like Euclid Transactional are backed by a panel of A-rated carriers which ensures reliable coverage backed by proven financial strength.
What are the industry standards for compliance in Transactional Risk Insurance?
Compliance in the sector involves adhering to established underwriting protocols and financial regulations. Companies such as Ambridge ensure compliance by addressing negotiation standards related to reps scope, survival, caps, and recourse through their DisclosureGap R&W policies. This structured approach not only aligns with regulatory expectations but also instills confidence among SMEs and specialized sectors like healthcare.
What implementation challenges might businesses face with Transactional Risk Insurance, and how can they be addressed?
Challenges include navigating complex negotiations and ensuring swift policy execution. Chubb, with its comprehensive suite of coverages like R&W, Tax Liability, and Contingent Liability, focuses on accelerating M&A deals to mitigate such disruptions. Solutions often involve leveraging specialized claims teams and developing a clear understanding of deal dynamics to ensure rapid response times during policy implementation.
How can businesses measure ROI and value delivery from Transactional Risk Insurance?
ROI can be assessed through claim payouts and the protection of transactional value. For instance, Euclid Transactional has demonstrated its value by insuring over $8T in deal value and paying over $1.5B in claims since 2016. Such metrics provide tangible proof of the financial safety net and risk mitigation benefits granted to policyholders, making a strong case for the insurance’s role in preserving deal integrity.

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