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For two hundred years, the modus operandi of the insurance industry has been to follow the status quo. Today, protecting and growing your business demands a new perspective. It is time for a different way of looking at risk.
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Koru offers peace of mind by building and managing efficient risk management solutions that align with our clients’ business objectives.
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Mergers and acquisitions (M&A) insurance is a type of insurance policy that helps protect parties involved in a M&A transaction from financial loss resulting from unforeseen issues that may arise during the transaction process.
Coverage Scope
Representation and Warranty Insurance (RWI): RWI is one of the most common forms of M&A insurance. It covers breaches of representations and warranties made by the seller in the purchase agreement. If a breach is discovered post-transaction, RWI provides financial protection to the buyer.
Contingent Liability Insurance: This coverage protects buyers in cases where they assume contingent liabilities or unknown risks associated with the acquired business. It can include coverage for tax liabilities, litigation, or environmental issues.
Tax Liability Insurance: In transactions involving tax-related risks, this insurance can provide coverage for potential tax liabilities, including transfer pricing disputes, audits, or other tax issues.
Specific Issue Insurance: M&A insurance can be customized to cover specific issues or concerns identified during due diligence, such as pending litigation, intellectual property risks, or product liability concerns.
Benefits
Risk Mitigation: M&A insurance helps manage and mitigate the financial risks associated with undisclosed or unknown liabilities that may surface after the transaction has closed.
Enhanced Negotiation: It can facilitate negotiations between buyers and sellers by providing a solution for addressing potential disagreements or uncertainties.
Preservation of Funds: Sellers can use M&A insurance to ring-fence funds in escrow, allowing them to access the sale proceeds sooner while providing financial protection to the buyer.
Deal Certainty: Buyers gain confidence in the transaction's stability and viability, which can lead to more efficient and successful M&A deals.
Are you looking to buy another company? Folding its property, customers and employees into your organization is no small feat. Even if you plan to keep it as a subsidiary, you need to do full due diligence on the insurance aspect of the deal. This rundown can help you prepare so your transaction doesn’t fall through or saddle you with regret.
With Health Net exiting the California commercial group market — small group and large group medical, dental, and vision plans wind down by February 28, 2027, with final renewals effective February 1, 2027 — every affected employer is being pushed into the same decision at roughly the same time. That's not a reason to panic, but it is a reason to be deliberate. Picking a new carrier based on premium alone is how groups end up with a plan that technically checks the "replaced Health Net" box while quietly making things worse for employees and HR. Here's what actually deserves scrutiny.
Are you looking to buy another company? Folding its property, customers and employees into your organization is no small feat. Even if you plan to keep it as a subsidiary, you need to do full due diligence on the insurance aspect of the deal. This rundown can help you prepare so your transaction doesn’t fall through or saddle you with regret.
Cyber insurance provides more than just financial recovery, offering risk mitigation tools like incident response planning, breach response services, cybersecurity training, and pre-breach assessments to help businesses prevent and manage cyber threats. However, coverage for global operations, biometric privacy claims, and newly acquired entities varies by policy, so businesses must carefully evaluate their plans to ensure they receive both proactive security support and financial protection.
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