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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


  • 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)

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