Warranty & Indemnity Insurance
At COHIBL, we understand that every transaction represents years of hard work, ambition, and commitment. When buying or selling a business, the last thing you want is for uncertainty or unforeseen liabilities to undermine the deal you’ve worked so hard to secure.
Warranty & Indemnity (W&I) Insurance has become a trusted solution within modern M&A, providing both buyers and sellers with greater confidence, cleaner exits, and smoother negotiations.
What W&I insurance does for you
During a transaction, warranties and indemnities are designed to provide assurances about the condition of a business. If something isn’t quite as expected, the financial impact can be significant. W&I Insurance transfers that risk from the deal parties to an insurer, protecting you from losses that arise from breaches of warranty or tax covenants.
In practice, this means faster negotiations, reduced need for contentious holdbacks or escrow accounts, and a far more streamlined process for both sides of the table. Sellers benefit from the ability to crystallise value and move forward without legacy liabilities, while buyers gain robust protection that supports valuation and safeguards their investment.
Specialist support throughout the transaction
Having guided clients through transactions of all sizes — from mid‑market deals to complex multi‑party acquisitions — our team brings deep experience across the entire deal lifecycle. We know the intensity, the scrutiny, and the pressure involved. That’s why our approach combines technical expertise with genuine care, ensuring your interests are protected from start to finish.
We provide:
- Expertise across complex deal structures, delivering tailored W&I and SPA solutions that reflect the nuances of each transaction.
- One‑stop commercial insurance support, a single, coordinated destination for all your insurance requirements, ensuring nothing is overlooked.
- Extensive market access, strong insurer relationships that secure competitive pricing and high‑quality cover.
- Strategic guidance, adding value beyond the policy itself through due diligence, risk management, surveys and broader insurance strategy.
Beyond W&I- a complete review of risk
Our role doesn’t end with arranging the insurance. We conduct a thorough review of the existing commercial insurance programme, whether for your own business or the acquisition target. This wider due diligence offers crucial insight that can influence valuation, negotiation strategy and post‑completion integration.
A detailed review helps to:
- Identify hidden exposures- gaps such as inadequate cyber cover, outdated limits or missing policies may expose the business to unforeseen liabilities.
- Understand risk culture- a company’s insurance programme often reflects its wider risk appetite. Strong programmes suggest robust management; weak ones can indicate deeper challenges.
- Support deal value- early identification of gaps gives you the opportunity to negotiate adjustments or secure additional cover ahead of completion.
- Ensure compliance and continuity- confirming that policies comply with regulatory requirements and remain enforceable post‑completion ensures protection isn’t interrupted when it matters most.
The Caunce O’Hara edge
Our combination of M&A experience and deep technical insurance knowledge enables us to provide more than observations- we deliver solutions. Whether restructuring a programme, negotiating improved terms or identifying critical areas for enhancement, we ensure that your acquisition is backed by strong, reliable protection from day one.
Move Forward with Confidence
Your transaction deserves the reassurance of a partner who understands both the technical and human aspects of doing a deal. At Caunce O’Hara, we’re committed to providing practical guidance, strategic insight and complete peace of mind throughout the entire process.
Speak to our team today to discuss how we can safeguard your transaction and help you move forward with confidence.