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Transaction insurance
Identify how warranty and known risks are allocated in the acquisition.
- Consider buyer-side W&I where appropriate.
- Separate identified tax or contingent risks.
- Align insurance review with the agreement and diligence.
Specialist transaction insurance
Insurance When Buying a Business
Buying a business can create two insurance workstreams: transaction risk and the target's continuing operational cover. They should be coordinated, but they are not the same assessment.
Insure24 is an insurance broker
Specialist wholesale route with Citynet
Case-by-case underwriting
Direct answer
W&I, tax-liability or contingent-risk insurance may address selected transaction exposures. A separate review should test whether the target's business policies remain suitable after completion.
Important: availability, cover, price and timing depend on the transaction, due diligence, insurer appetite and final policy terms. Nothing on this page is legal, tax or personalised regulated advice.
Operational insurance diligence
Review the target's existing programme and loss history.
- Policy periods, limits, exclusions and change-of-control terms.
- Open claims, circumstances and historic coverage.
- Future activities, locations, staff and contractual requirements.
Completion planning
Avoid assuming all existing policies continue unchanged.
- Confirm who must notify insurers or brokers.
- Arrange replacement or run-off cover where required.
- Record responsibilities for pre- and post-completion claims.
Confidentiality: do not send data-room access, diligence reports, transaction documents or sensitive deal details through the general contact form. Ask Paul or Salvatore to agree a suitable secure exchange route first.
Insurance When Buying a Business FAQs
Does W&I replace the target's business insurance?
No. W&I concerns selected transaction warranties; operational policies address risks such as property, liability, cyber or professional exposures.
What is a change-of-control clause?
Some policies or arrangements require notification or may be affected by a change in ownership. The exact wording should be checked with advisers and insurers.
Should claims history be reviewed?
Yes. Claims and notified circumstances can affect both diligence and the future operational insurance programme.
Related M&A insurance guides
Warranty and indemnity insurance
The core W&I product page for buyers, sellers and their advisers.
M&A insurance
An overview of transaction insurance routes, including W&I and identified risks.
Tax liability insurance
A specialist route for an identified tax position within or outside a transaction.
Contingent risk insurance
A specialist route for an identified legal or contingent exposure.
W&I insurance cost
What can influence premium, retention, fees and the overall transaction budget.
Buyer-side W&I insurance
How a buyer-side policy can interact with the acquisition agreement and diligence.
Seller-side W&I insurance
When seller-side protection may be discussed and why structure matters.
W&I insurance for smaller deals
How to prepare a smaller transaction for an early market-appetite review.
What does W&I insurance cover?
A qualified guide to warranties, exclusions, disclosure and policy wording.
The W&I insurance process
A practical sequence from initial submission through underwriting and policy wording.
W&I insurance vs escrow
A neutral comparison of two different ways to allocate transaction risk.
Insurance when selling a business
A seller's checklist for disclosure, historic cover and transaction risk.
Sources and verification
Product statements are qualified by Insure24's approved proposition and reviewed against the following public sources.
- Citynet Insurance Brokers — Citynet's official description of its wholesale Lloyd's broker role.
- Financial Services Register — Check the regulatory status and permissions of financial-services firms.
Editorial and technical review
Prepared as general information for UK transaction participants and advisers.
Technical review: Salvatore Scarpato
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Discuss the transaction at a high level
Tell us whether you are a buyer, seller or adviser, the target activity and location, the transaction structure, an approximate value band, the expected timetable and whether an identified risk exists. Do not include confidential documents or detailed risk information at this stage.