Insurance due diligence is a comprehensive investigation of a target company's insurance program. It ensures the target company has sufficient coverage for potential risks. It protects the buyer from inheriting unknown risks during acquisition, and it sits as one workstream inside the broader due diligence process. And most M&A teams can't get quality expert guidance on it without paying six-figure annual retainers to networks like GLG or AlphaSights.
FieldSignal fixes that. You get vetted insurance professionals, former underwriters, risk managers, and claims specialists, on a pay-per-use basis with no markup on expert fees.
Finally, an Expert Network Built for Mid-Market M&A Teams
If you're a PE associate, corporate M&A analyst, or boutique consultant running insurance diligence on a target, you already know the problem. The large expert networks charge annual retainers that price out most mid-market firms. GLG, AlphaSights, Third Bridge, and Guidepoint are built for large hedge funds and Fortune 500 strategy teams. Their minimums don't make sense when you need three expert calls on a $50M acquisition.
The alternative isn't great either. Low-quality marketplace platforms deliver inconsistent results, weak compliance, and experts who don't have the deep expertise your due diligence team needs.
FieldSignal was built for teams like yours. You get access to insurance executives, underwriters, and risk managers who've worked in your target company's sector, without annual commitments, hidden fees, or weeks of scheduling delays. Insurance due diligence involves assessing coverage adequacy, claims history, risk exposures, and compliance with deal terms. You need experts who've done this work. We match you with them, fast.
Why FieldSignal Works for Insurance Due Diligence
Here's what makes this different from traditional expert networks and large insurance brokers:
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Pay-Per-Use Model. No annual retainers or minimum commitments. You pay project by project. If you run one deal this quarter and four next quarter, your costs reflect that.
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Vetted Insurance Professionals. Former insurance executives, underwriters, claims managers, and risk officers from target sectors. These are people who've reviewed insurance policies, assessed existing insurance coverage, and identified material deficiencies in coverage across real transactions.
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Fast Turnaround. Expert calls scheduled within 48-72 hours. Insurance due diligence supports informed decision-making in M&A, but only if insights arrive before the deal closes. Weeks of back-and-forth don't work.
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Transparent Pass-Through Costs. No markup on expert honoraria. You pay what the expert charges. That's it.
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Compliance Infrastructure. Professional screening, conflict checks, and legal documentation that match industry standards. Institutional clients requiring audit trails and documentation get the same rigor they'd expect from tier-1 networks.
Instead of paying six figures for access you might use twice, you get tailored solutions for each deal's insurance diligence scope.
How It Works
Step 1: Define Your Insurance Due Diligence Scope
Submit your project brief. Include the target company's sector, geography, entity structure, and the specific insurance questions you need answered. Specify whether you need experts with underwriting experience, claims management backgrounds, regulatory knowledge, or specialty areas like captive insurance or cyber risk.
Insurance due diligence involves assessing insurance carrier financial strength, reviewing the adequacy of insurance coverage, and identifying potential coverage gaps. Your brief tells us exactly which expertise to source.
Step 2: Expert Matching and Vetting
FieldSignal identifies relevant insurance professionals from the target company's sector or comparable businesses. We source former risk managers, insurance executives, underwriters, and actuaries who've worked with similar insurance programs.
Before any engagement, our compliance team conducts background checks and conflict screening. This protects you and the expert. No shortcuts.
Step 3: Conduct Expert Consultations
Schedule calls, receive transcripts, and gather actionable insights for your due diligence process. Use expert guidance to assess coverage gaps, review claims history for red flags, evaluate risk management framework quality, and identify post-acquisition integration risks.
Experts can help you determine whether the target's insurance premiums are reasonable for the sector, whether representations and warranties insurance underwriters will flag concerns, and whether change of control provisions in existing policies will void coverage after the deal closes.
No guesswork. No wasted effort. Just structured progress toward informed decisions.
What Makes FieldSignal Different
Most alternatives focus on scale. We focus on fit.
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No Markup on Expert Fees. Pass-through pricing means you pay experts directly. Networks like GLG and AlphaSights layer significant markups on top of expert honoraria. You don't see that here.
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Mid-Market Focus. Built for teams that can't justify six-figure minimums but need professional-grade insights. If you're running thorough due diligence on a $30M-$500M acquisition, this is built for you.
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Project-Based Engagement. Pay for what you use when you need it. Not annual subscriptions for sporadic projects. M&A deal flow is lumpy. Your expert network costs should be too.
Large insurance brokers like Alliant and Aon offer thorough insurance due diligence services, but as part of bundled advisory engagements with minimum fees that favor larger transactions. FieldSignal gives you the expert access layer without the bundled overhead.
| Criteria | Large Expert Networks (GLG, AlphaSights) | Large Insurance Brokers (Aon, Alliant) | FieldSignal |
|---|---|---|---|
| Pricing | Annual retainer, six-figure minimums | Bundled advisory fees, large deal focus | Pay-per-use, no minimums |
| Expert Markup | Significant markup on honoraria | Embedded in advisory fees | Pass-through, no markup |
| Turnaround | 1-2 weeks typical | Weeks for full reports | 48-72 hours for expert calls |
| Mid-Market Fit | Poor, built for large funds | Limited, minimum deal size | Purpose-built |
| Compliance | Strong | Strong | Equivalent |
| Sector Depth | Broad but generic matching | Deep but expensive | Targeted matching by sector |
Proof That It Works
Insurance due diligence uncovers hidden liabilities and potential claims that don't appear in financial statements. The value of getting this right is measurable.
Consider what happens without proper insurance diligence: a PE firm acquiring a residential roofing company discovered $282,800 in underreported exposures over two years, $50,000 in undisclosed broker commissions, and $35,000 in missed contractor credits. These would have gone unnoticed without targeted insurance due diligence from experts who understood captive insurance arrangements.
Significant shortfalls in coverage are common in M&A transactions. Inadequate insurance coverage can expose buyers to unforeseen liabilities. Rising insurance costs can erode profitability post-acquisition. These aren't edge cases. They're patterns that repeat across deals when the diligence process skips insurance.
Insurance due diligence can impact purchase price negotiations. It influences deal valuation by uncovering risks that directly affect the balance sheet. When you talk to an underwriter who's worked in the target's sector, they spot what generic analysts miss: policy exclusions that void coverage for the exact risks the business faces, claims patterns that signal operational problems, and insurance premiums that are artificially suppressed through inadequate coverage.
Insurance due diligence helps identify potential deal-breakers before the deal closes.
Who It's For
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PE/VC Associates conducting pre-investment due diligence on portfolio companies with complex insurance needs — typically alongside a wider due diligence checklist for M&A investors. You need to assess whether the target's insurance programs are adequate, whether employee benefits are properly structured, and whether workers compensation reserves are sufficient. Reviewing claims history helps assess contingent liabilities in M&A, and you need experts who know how to read loss runs.
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Corporate M&A Teams at mid-market enterprises evaluating acquisition targets' risk management programs. You're assessing whether existing insurance coverage matches contractual obligations in leases, vendor contracts, and loan covenants. Employee and third-party contracts should be evaluated for liability exposure. You need to confirm that post-close transition coverage is in place for the newly acquired operations.
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Boutique Consultants delivering insurance analysis for client engagements without premium network access. Your clients expect diligence services equivalent to what large advisory firms deliver. FieldSignal gives you the expert bench without the institutional overhead.
If your due diligence team needs to evaluate potential liabilities, identify opportunities for cost savings, and ensure the target is adequately protected, this was built for you.
Pricing That Works for Your Budget
Pay-Per-Project Model
Expert consultation fees typically range $200-$600 per hour depending on seniority and specialization. No platform fees, subscription costs, or annual minimums. Insurance premiums are a significant cost in M&A transactions. The cost of understanding them shouldn't be.
Transparent Cost Structure
Upfront quotes include all costs: expert fees, platform access, and compliance screening. No hidden markups or surprise charges after project completion. Competitors' pricing opacity is a known problem in this space. We eliminate it.
Flexible Engagement Options
Single expert calls for targeted questions. Multi-expert panels for comprehensive due diligence. Custom project scoping based on deal timeline and research requirements.
Need a former cyber insurance underwriter to assess whether a tech target's coverage has dangerous exclusions? One call, one fee, one clear answer. Running a full insurance diligence workstream across property, casualty, D&O, and employee benefits? Build a panel of four experts across specialties.
These are complex undertakings. Your pricing shouldn't make them harder.
Frequently Asked Questions
How quickly can you source insurance experts for due diligence projects?
Expert identification and vetting typically takes 24-48 hours for standard insurance roles like general liability underwriters, property risk managers, or claims directors. Specialized experts like captive insurance managers, cyber underwriters, or actuaries with experience in actuarial evaluations of self-insured retentions may require 3-5 days.
Do your experts have experience with target company sectors?
FieldSignal maintains networks of insurance professionals across healthcare, manufacturing, technology, financial services, and other key sectors. Expert matching prioritizes relevant industry experience and functional expertise. When insurance due diligence involves assessing sector-specific risks like environmental liability in manufacturing or malpractice exposure in healthcare, you get experts who've underwritten or managed those exact lines.
How does compliance compare to established networks?
Professional background verification, conflict screening, and legal documentation match industry standards. Compliance infrastructure is designed for institutional clients requiring audit trails and documentation. This protects both buyers and sellers in the transaction.
What insurance areas can your experts cover?
Experts cover general liability, property, workers compensation, D&O, E&O, cyber, environmental liability, captive insurance, reinsurance arrangements, and specialty coverage. They can assess tail coverage needs for claims-made policies, review change of control provisions, evaluate emerging risks like climate and ESG exposure, and help structure post-close coverage for successful insurance integration.
A comprehensive document portfolio should include historical insurance policies and claims. Your experts can tell you what to request and what the documents mean.
Can experts help with specific deal questions?
Yes. Insurance due diligence can reveal gaps in coverage that increase risk. Experts can assess whether coverage limits match asset values, whether insurance warranties in the purchase agreement are accurate, whether carve outs create exposure, and whether reviewing changes in coverage indicates financial stress or high risk at the target. Legal and regulatory exposure should be examined for pending or historical litigation, and your experts can flag where to look.
Loss and claims history should be examined to identify trends and outstanding liabilities. Evaluating claims history highlights recurring issues and potential exposures. Contracts should verify liability assumptions and required coverage limits. These are the questions your experts answer.
Get Expert Insurance Insights for Your Next Deal
Insurance due diligence is critical to deal outcomes, and it sits next to financial due diligence in shaping the final price. A thorough review ensures adequate coverage across major risk areas. It helps buyers determine how to integrate new risk management strategies. It ensures compliance with deal terms in M&A. And it helps ensure continuity of coverage post-transaction.
You shouldn't need a six-figure retainer to access the expertise that makes this work. FieldSignal gives mid-market M&A teams, PE/VC associates, and boutique consultants the same quality of insurance expert access that large funds get from premium networks, at a fraction of the cost, with full transparency.
Identifying coverage gaps ensures adequate insurance against modern risks. Conducting physical inspections ensures assets are adequately insured. Potential uninsured or underinsured risks must be evaluated. Inadequate insurance can lead to unforeseen liabilities. Your next acquisition deserves better than guesswork.
Get a quote for your research scope →
No annual commitment. No hidden fees. Just the right experts for your deal.