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Ethos Specialty https://ethosspecialty.com Ethos Specialty Solutions Fri, 28 Mar 2025 16:57:56 +0000 en-US hourly 1 https://wordpress.org/?v=7.1 Transactional Liability Solutions https://ethosspecialty.com/transactional-liability-solutions/?utm_source=rss&utm_medium=rss&utm_campaign=transactional-liability-solutions Thu, 21 Jul 2022 17:23:43 +0000 https://ascotgroup.com/ethos-staging/?page_id=1141
Reps and Warranties

Representations & Warranties Insurance

Within the context of a merger or acquisition (M&A), a gap may exist between the level of warranties offered by a seller and the level that the buyer will accept. The Ethos Specialty Representations and Warranties (R&W) insurance product bridges that gap by transferring unknown and unforeseen risks to an insurer. The R&W policy provides coverage for losses incurred because of breaches of representations and warranties in an M&A agreement. The use of the policy eases contentious negotiations around the scope of representations and warranties level of indemnity and provides value for both the sellers and buyers in a transaction.

Learn More

Tax Insurance

Tax Insurance

Tax insurance provides an insured with protection against a loss in the event that a tax position taken on a tax return is challenged by a taxing authority. Tax insurance is often utilized within the context of a merger or acquisition (M&A) when a known tax risk is identified in diligence. Tax insurance is also utilized to minimize risks arising from internal tax planning.

Learn More

]]> Cookie and Privacy Policy https://ethosspecialty.com/cookie-and-privacy-policy/?utm_source=rss&utm_medium=rss&utm_campaign=cookie-and-privacy-policy Wed, 13 Jul 2022 19:45:12 +0000 https://ascotgroup.com/ethos-staging/?page_id=742 Cookies https://ethosspecialty.com/cookies/?utm_source=rss&utm_medium=rss&utm_campaign=cookies Thu, 07 Jul 2022 18:51:28 +0000 https://ascotgroup.com/ethos-staging/?page_id=674
Key Facts

Key Facts

Product and Coverage Highlights:

  • Primary General Liability
  • Primary limits of up to 5/5/5
  • Coverage for project terms up to 60 months
  • Extended Products and Completed Operations coverage for 6 years
  • No subcontractor restrictions, conditions, warranty
  • AM Best A XV paper

Risk Management and Loss Control:

  • Full access to our claims and legal experts
  • A team of licensed Safety Managers is available as needed or required
  • Third party inspections include recommendations to reduce or mitigate risk
  • Expedited investigations and favorable claims resolutions
  • Access to cutting-edge technology to improve site safety management

Ready to Learn More?

Contact the Business Leader

Resources

Related News & Insights

]]> About Us https://ethosspecialty.com/about-us/?utm_source=rss&utm_medium=rss&utm_campaign=about-us Thu, 30 Jun 2022 16:58:37 +0000 https://ascotgroup.com/ethos-staging/?page_id=467

About Us

Who We Are

By combining the independence of the Ethos Specialty platform with the resources of a dynamic global (re)insurer, we can create tremendous value for our brokers and capital partners.

“The Ethos Specialty goal is to deliver a leading-edge platform informed by traditional underwriting excellence, innovating to drive positive outcomes.”

This Ethos Specialty competitive advantage includes:

  • A high degree of technical sophistication in underwriting, coupled with the risk-management capabilities of Bishop Street Underwriters
  • Financially strong balance sheet operators globally – US, Bermuda and Lloyd’s – demonstrating excellent alignment of interest with capital partners
  • Leveraged capabilities in mature functional services for operational exposures and compliance
  • Access to deep and unique distribution sources

Our Clients

Ethos Specialty About

Capital Partners

At Ethos Specialty, we begin by viewing all capital entrusted to us as our own. Our focus is on using our unique platform to provide superior returns through all phases of the underwriting cycle.

Our team of experts is highly skilled in identifying market trends and opportunities that align with the ambitions of our capital partners, and subsequently providing prudent deployment of their capital to drive growth.

Insurance is a combination of dynamic markets. Our ability to monitor and manage our exposure in collaboration with our capital providers gives us a competitive advantage in everything we do, for example:

 

Ethos Specialty About

Distribution Partners

Our distribution partners need timely solutions that address their clients’ existing and emerging needs. We have a deep understanding of these needs and through our proprietary suite of programs, can bring unique solutions to the table.

We work with our distribution partners and engage capital to address market dislocation. Read more:

  • When Representations and Warranties exposures in healthcare transactions were increasingly challenging to place, Ethos Specialty invested in the resources to understand the risks and solve an industry-wide problem, including hiring healthcare experts to augment our in-house expertise. By developing and executing on this disciplined, knowledgeable strategy, Ethos Specialty’s program is now the go-to solution for Representations and Warranties coverage in the healthcare industry.

Value Proposition

Ethos Specialty exists to serve our clients by providing an outstanding customer experience and consistently strong returns to our capital partners.

Client Commitment:

A core strategic principal is to attract, manage, and gain the trust of 3rd party capital. We seek long-term capital partner relationships, driving for an alignment of philosophy, and confidence in performance which in turn releases us to focus on expanding opportunities for long-term success.

Our Value Proposition Includes:

  • Access to Specialized Pools of Risk: A key element of our dynamic service platform is our ability to drive a specific distribution strategy for each individual program while leveraging the broad relationships of Bishop Street Underwriters.
  • Specialized Underwriting and Risk Management: Specialized capabilities to underwrite target business and meet client goals and expectations.
  • Risk Match Model: Our risk match model recognizes the dynamics of various sources of capital, our understanding of their importance, and our ability to manage capital over the cycles.
  • Innovation: We are continuously innovating new program ideas, including program design, technology, data and analytics, and risk management methods.
Matching Risk with Capital

Services

Underwriting as a Service (UaaS):

Specialist technical underwriting; knowledge, experience, data, and analytics; unique, bespoke products and solutions.

Platform as a Service (PaaS):

Supported by the most advanced platform capabilities. From systems to digital solutions to emerging technology, we offer our clients a platform that is efficient, adaptable, and always improving.

]]> Innovation https://ethosspecialty.com/innovation/?utm_source=rss&utm_medium=rss&utm_campaign=innovation Thu, 30 Jun 2022 16:58:27 +0000 https://ascotgroup.com/ethos-staging/?page_id=298

Our “Digital” Backbone:

Client tools to mitigate risks: We seek technology-driven tools and capabilities to help our clients manage risks within their own operating environments.

Advanced Analytics: We believe that driving innovative thinking with rich data sets and analytics results in enhanced decision making and better outcomes.

Increased operational efficiency: We use technology to automate where appropriate, we simplify processes, drive efficiencies in access, optimize operational costs, and sustain a focus on superior client service.           

Ethos Specialty About
]]> Representations & Warranties Claims https://ethosspecialty.com/representations-warranties-claims/?utm_source=rss&utm_medium=rss&utm_campaign=representations-warranties-claims Thu, 30 Jun 2022 16:58:19 +0000 https://ascotgroup.com/ethos-staging/?page_id=282
Key Facts

Representations & Warranties

Claims Data:

  • Since its inception, Ethos Specialty Insurance has received notice of over 150 transactional liability claims and to date has effectively managed and resolved to completion a significant percentage of the reported matters. We have recovered for our Insureds a substantial number of first- and third-party payments totaling in excess of $100M on various financial statement and material customer claims, as well as on a number of third-party consumer litigation, condition of asset, tax and other reported claims. We have achieved five eight-figure settlements in financial statement/material customer claims as well as and a fair number of low to mid seven figure claims. We partner with our Insureds and their counsel towards the common goal of fair and efficient commercial resolutions.

Resources

Ready to Learn More?

Contact Us
]]> Representations & Warranties https://ethosspecialty.com/representations-and-warranties/?utm_source=rss&utm_medium=rss&utm_campaign=representations-and-warranties Thu, 30 Jun 2022 16:58:11 +0000 https://ascotgroup.com/ethos-staging/?page_id=276
KEY FACTS

R & W Insurance

Value for Buyers:

  • Enhances a buyer’s bid in a competitive auction process
  • Provides recourse for a buyer in acquisitions without seller indemnity (i.e. public company sales or bankruptcy)
  • Protects key relationships with employees, share holders, continuing management team

Our Underwriting Process:

  • Our M&A Team is comprised of experienced underwriting specialists with extensive legal, financial and tax backgrounds, essential when offering tailored transactional solutions. We understand that many accounts are subject to specific deal deadlines. As such, we are structured in a manner that allows for real-time decision making, enabled through an efficient and scalable underwriting process. Our underwriting and secondary due diligence review is typically completed within 4-5 business days of receiving all deal documents, and our policies are drafted and bound concurrently with signing

Capacity:

  • Up to $60M in capacity is available
  • Secured by a consortium of Syndicates at Lloyd’s of London which currently enjoys an A+ rating from Standard & Poor’s, AA- from Fitch and A from A.M. Best; and reputable domestic carriers with strong ratings

Value for Sellers:

  • Allows seller to walk away cleanly from a deal without any contingent liabilities
  • Protects passive investors
  • Eases reputational risk by avoiding extended lawsuits and litigation

Key Highlights:

Ethos Specialty offers commercial terms and pricing coupled with responsive service. Policies are tailored to each unique transaction and work “back to back” with the M&A agreement.

  • Risks located in the U.S. or Canada
  • Retentions typically of 1.0% of the transaction value
  • Premium typically between 3.0% and 5.0% of the total limits purchased
  • Coverage for a pre-closing tax indemnity
  • Following materiality scrapes in the transaction agreement
  • On buyer-side policies, survival periods extend beyond those in the M&A agreement
  • Broad appetite across industry classes including healthcare and technology transactions

R & W Bankruptcy Insurance

  • Upon completion, it ensures the Debtor has fulfilled its fiduciary duty to maximize the value of the assets for its Creditor
  • The Buyer acquires the assets free and clear of liens or other claims and obtains certain other protections including a determination that the sale was in good faith
  • Often, the Buyer is able to purchase the assets at a discount
  • Although the coverage offered in a R&W Policy for in a 363 Sale would closely resemble that of a R&W Policy for a non-bankruptcy sale, Buyers should expect potential increases in underwriting fees, premium or retention (which likely would be borne entirely by the Buyer) to address potential complications in underwriting associated with the bankruptcy process and to account for the Insurers lack of subrogation rights (similar to the Buyer’s lack of recourse in a traditional 363 Sale)

Offering a R&W Policy in a 363 Sale would likely create certain additional benefits to the traditional 363 Sale process including:

  • The Buyer would be able to seek recourse against a R&W Policy in the event of a breach of any Debtor representation or warranty that results in loss to the Buyer. In contrast, in a traditional 363 Sale, the Buyer typically is left with limited recourse, if any
  • The inclusion of such a remedy for the Buyer, likely would embolden the Buyer (and other potential bidders) resulting in better and higher bids and increased proceeds to the Creditors of the Debtor
  • The ability to seek recourse in the event of a breach and increased proceeds, may provide an opportunity for bidders to seek broader representations and warranties that they would have in a traditional 363 Sale. It should be noted that a Bankruptcy Court may view an over-expansion of representations and warranties unfavorably (as a deterrent to the sale process)

R & W Claims

  • Since its inception, Ethos Specialty Insurance has received notice of over 150 transactional liability claims and to date has effectively managed and resolved to completion a significant percentage of the reported matters. We have recovered for our Insureds a substantial number of first- and third-party payments totaling in excess of $100M on various financial statement and material customer claims, as well as on a number of third-party consumer litigation, condition of asset, tax and other reported claims. We have achieved five eight-figure settlements in financial statement/material customer claims and a fair number of low to mid seven figure claims. We partner with our Insureds and their counsel towards the common goal of fair and efficient commercial resolutions

Ready to Learn More?

Contact Us
]]> Representations & Warranties Bankruptcy Insurance https://ethosspecialty.com/representations-warranties-bankruptcy-insurance/?utm_source=rss&utm_medium=rss&utm_campaign=representations-warranties-bankruptcy-insurance Thu, 30 Jun 2022 16:57:52 +0000 https://ascotgroup.com/ethos-staging/?page_id=269
Key Facts

Representations & Warranties Bankruptcy Insurance

Benefits of the 363 Sale process:

  • Upon completion, it ensures the Debtor has fulfilled its fiduciary duty to maximize the value of the assets for its Creditor
  • The Buyer acquires the assets free and clear of liens or other claims and obtains certain other protections including a determination that the sale was in good faith
  • Often, the Buyer is able to purchase the assets at a discount.

Capacity:

  • Although the coverage offered in a R&W Policy for in a 363 Sale would closely resemble that of a R&W Policy for a non-bankruptcy sale, Buyers should expect potential increases in underwriting fees, premium or retention (which likely would be borne entirely by the Buyer) to address potential complications in underwriting associated with the bankruptcy process and to account for the Insurers lack of subrogation rights (similar to the Buyer’s lack of recourse in a traditional 363 Sale).

R&W Insurance In a 363 Sale:

Offering a R&W Policy in a 363 Sale would likely create certain additional benefits to the traditional 363 Sale process including:

  • The Buyer would be able to seek recourse against a R&W Policy in the event of a breach of any Debtor representation or warranty that results in loss to the Buyer. In contrast, in a traditional 363 Sale, the Buyer typically is left with limited recourse, if any.
  • The inclusion of such a remedy for the Buyer, likely would embolden the Buyer (and other potential bidders) resulting in better and higher bids and increased proceeds to the Creditors of the Debtor.
  • The ability to seek recourse in the event of a breach and increased proceeds, may provide an opportunity for bidders to seek broader representations and warranties that they would have in a traditional 363 Sale. It should be noted that a Bankruptcy Court may view an over-expansion of representations and warranties unfavorably (as a deterrent to the sale process).

Ready to Learn More?

Contact Us

Resources

]]> Tax Insurance https://ethosspecialty.com/tax-insurance/?utm_source=rss&utm_medium=rss&utm_campaign=tax-insurance Thu, 30 Jun 2022 16:57:42 +0000 https://ascotgroup.com/ethos-staging/?page_id=264
Key Facts

Tax Insurance

Insurable Risks:

  • Tax-free reorganizations and spin-offs
  • Taxable spin-offs
  • Availability/utilization of net operating losses
  • Tax credits (investment, production, historic, low income, R&D, etc.)
  • Tax status (S-corps, REITs)
  • 409A and other deferred compensation issues
  • State and local tax issues
  • FIRPTA

Capacity:

  • Up to $50M in capacity is available
  • Secured by a consortium of Syndicates at Lloyd’s of London which currently enjoys an A+ rating from Standard & Poor’s, AA- from Fitch and A from A.M. Best; and reputable domestic carriers with strong ratings

Key Highlights:

Ethos offers commercial terms and pricing coupled with responsive service:

  • Risks located in the U.S. or Canada
  • Retentions typically $150,000-$250,000 for contest/defense costs
  • Premium typically between 2% and 5% of the total limits purchased
  • Policy periods of up to 10 years
  • Coverage for loss that includes additional taxes, interest, penalties, contest/defense costs and gross up (income tax on the insurance proceeds)

Ready to Learn More?

Contact Us

]]> Legal Disclaimer https://ethosspecialty.com/legal-disclaimer/?utm_source=rss&utm_medium=rss&utm_campaign=legal-disclaimer Mon, 13 Jun 2022 15:13:40 +0000 https://ascotgroup.com/ethos-staging/?page_id=38