Case Studies
Real engagements—anonymized—where independent insurance diligence changed the math, the deal structure, or the buyer’s understanding of what they were actually acquiring.
Insurance Diligence For Investors
Acquiring A Roofing Company
An acquisition entrepreneur came to us two weeks before planned closing on a roofing company in Southeast Florida The QOE and legal advisors had done their work. The financials looked clean and the purchase agreement was close to final. But nobody had opened the insurance file.
Products Liability
The Missing Products Liability Coverage
We were engaged by a searcher evaluating the acquisition of a small machine shop that manufactured precision-machined parts. The seller carried relatively scant insurance and a general liability policy that did not include products liability.
STRATEGIC ADD-ON ACQUISITION
The $100K EBITDA Adjustment
A specialty fire suppression business contacted us about a potential add-on acquisition. When we reviewed the target’s insurance program, two problems surfaced immediately.
BUSINESS INCOME & LENDER REQUIREMENTS
Right-Sizing a Lender’s Insurance Requirement
Some lenders require evidence of products liability spelled out in the policy form. Others require policies to be in force prior to closing. By pushing back on the lender’s requirement with a well-supported analysis, we saved the searcher approximately $8,000 in annual insurance expense.
