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Premium
The premium reflects the insurer's assessment of the insured risk and requested policy structure.
- Requested limit and scope of warranties.
- Nature, size and complexity of the target business.
- Jurisdictions, sectors and transaction timetable.
Specialist transaction insurance
How Much Does W&I Insurance Cost?
There is no responsible universal price for W&I insurance. Cost is assessed for the particular transaction and can include premium, insurance premium tax where applicable, underwriting or diligence costs and professional fees.
Insure24 is an insurance broker
Specialist wholesale route with Citynet
Case-by-case underwriting
Direct answer
The requested limit, transaction size and complexity, jurisdictions, diligence quality, warranty package, claims exposure and timetable can all affect available 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.
Retention and exclusions
The policy may leave an amount or category of loss with the insured.
- Retention structure and any threshold.
- Matters disclosed or identified in diligence.
- Policy-specific exclusions and limitations.
Other transaction costs
Budgeting should look beyond the headline premium.
- Insurer or external underwriting costs where applicable.
- Legal, tax and insurance-adviser work.
- Any additional diligence needed for underwriting.
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.
How Much Does W&I Insurance Cost? FAQs
Can Insure24 publish a standard W&I rate?
No single rate is suitable for every transaction. A specific indication requires enough transaction information for a market review.
Who pays for W&I insurance?
That is a commercial matter for the transaction parties. The buyer, seller or both may account for the cost depending on the agreed structure.
Is the cheapest policy the best option?
Not necessarily. Scope, exclusions, retention, claims provisions and insurer security can be as important as premium.
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.
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 buying a business
A buyer's checklist for transaction and operational insurance questions.
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
Last reviewed:
Scheduled review:
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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.