Specialist transaction insurance

Seller-Side W&I Insurance

Seller-side W&I insurance may protect a seller against certain liability to a buyer for covered warranty claims, subject to the acquisition agreement and the policy wording.

Insure24 is an insurance broker Specialist wholesale route with Citynet Case-by-case underwriting

Direct answer

Seller-side and buyer-side arrangements are not interchangeable. The parties should assess the commercial objective, recourse structure and available market terms.

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.

Why a seller may consider it

The structure may support the seller's negotiated exposure after completion.

  • Protect against certain covered warranty claims.
  • Support distribution or exit planning where appropriate.
  • Clarify insured and retained liabilities.

Disclosure remains important

Insurance does not remove the seller's responsibility for accurate disclosure and transaction conduct.

  • Prepare disclosure materials carefully.
  • Explain known issues rather than treating them as unknown.
  • Align the submission with the acquisition agreement.

Points to compare

The parties should compare seller-side insurance with other transaction structures.

  • Who is insured and who controls a claim.
  • Seller recourse and liability caps.
  • Limit, retention, exclusions and policy period.
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.

Seller-Side W&I Insurance FAQs

Can seller-side W&I provide a clean exit?

It may support an agreed exit structure, but no policy removes every retained, excluded or contractual liability.

Is the buyer covered by a seller-side policy?

The insured party and rights depend on the policy. A seller-side structure is different from a buyer-side policy under which the buyer is normally insured.

Should the seller disclose known matters?

Yes. Known matters should be handled openly with legal and insurance advisers; they should not be presented as unknown warranty risks.

Sources and verification

Product statements are qualified by Insure24's approved proposition and reviewed against the following public sources.

Editorial and technical review

Prepared as general information for UK transaction participants and advisers.

Technical review: Salvatore Scarpato
Last reviewed:
Scheduled review:

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.