Other Insurances

Warranty and Indemnity (W&I) Insurance

Commonly used in M&A deals, this policy, whether seller-side or buyer-side, will indemnify the insured for loss resulting from a breach of warranty or tax deed/ covenant in a Sale and Purchase Agreement (SPA). A seller-side policy covers the seller for their own innocent misrepresentations; a buyer-side policy covers the buyer against the seller’s misrepresentations (innocent or otherwise). The buyer claims directly against the insurance policy and does not have to seek recourse against the seller.

  • Mergers & Acquisitions
  • Buy Side
  • Sell Side

Title Insurance

Protects both real estate owners and lenders against loss or damage occurring from liens, encumbrances or defects in the title or actual ownership of a property.  Unlike traditional insurance, which protects against future events, title insurance protects against claims for past occurrences. Such claims include property ownership by another person, fraud or forgery of the title documents, unidentified easements, outstanding lawsuits, liens against the property, et al.

Manufacturing Errors & Omissions Insurance (E&O)

Is a professional liability insurance that covers a manufacturing mistake or negligent service that results in a third party financial loss without bodily injury or property damage. E&O insurance covers damages that result from negligence or failure to deliver promised service.

Commercial Crime Insurance

A type of business insurance designed to protect a business from losses due to third party fraud or employee fidelity. Business crime causes a certain degree of uneasiness for any business, regardless of the security measures in place. Commercial crime insurance protects the small business owner from employee dishonesty, theft of money (or securities), burglary, robbery, forgery and computer fraud.

Cyber Insurance

Cyber Insurance allows businesses to select cover options that reflect the risks they face. This insurance covers the increasing reliance organisations are placing on their computer networks, while also addressing the evolving manner in which criminals are exploiting technology.

Public Offering Securities Insurance

Offering securities to the public can create significant new exposures, including greater scrutiny by regulators and heightened exposure to regulatory investigations.

When pursuing an offering, companies should review the suitability of their directors and officers (D&O) liability insurance programme, and consider a Public Offering of Securities Insurance (POSI) policy to ring-fence any liabilities that may arise out of the transaction.

A POSI policy offers bespoke cover for public offerings including initial public offerings and debt or equity rights issues. It specifically responds to the risks associated with the offering faced not only by directors, but also by the company and any controlling or selling shareholders.

Most importantly, a POSI policy operates to ring-fence the transaction exposure, leaving the D&O policy to respond to “business as usual” risks faced by the directors.

When undertaking a public offering, many organisations purchase a POSI policy alongside their existing D&O policy.

Pension Trustee Insurance

Pension Trustee Liability for private companies, not-for-profits, partnerships and insurance brokers

  • Contribution notices against individual insured person
  • Spouse or domestic partner of insured person
  • Cover for acquired or newly created plans within threshold
  • Includes cover for loss of documents, sub limited to £100,000
  • Investigation costs in connection with preparing for and attending an investigation
  • Optional cover available for ERISA plans

Marine Insurance

Our extensive network of insurers can cover Hull and Machinery, Cargo, Builders Risks, Protection and Indemnity, Loss of Hire and War Risks. Talk to one of our dedicated consultants to hear more on how we can assist you.

joe bloggs

Chartered Land Surveyor, Owner

Registered Professional surveyor with extensive experience on large infrastructure works particularly tunnels. Recent experience on Large scale, fast track casino developement.

Specialties: Tunnels, Buildings (utilising BIM), Geotechnical Instrumentation.

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