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Blog
Insurance due diligence, written down honestly
How insurance diligence on a deal target is done today, how the agents work inside the practice’s authority, and illustrative engagements followed from an empty data room to a delivered report — with the screens and what the agents cited. Every target, carrier and figure is fictional.
Ground truth
Insurance due diligence, the way it is done today
Forty PDFs, a spreadsheet, two weeks and the report still misses the tail.
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How it works
Nine diligence agents, one engagement
Read the data room, analyse the program, report and a person signs off.
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How it works
Grounded figures: the model explains, the engine counts
If the number is not on the page, the sentence does not ship.
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How it works
The engagement's decision record
Every review, every control, every answer, signed and in order.
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How it works
The autonomy dial, and why it ships at ask-first
Draft, ask first, act and tell, act and the evidence that earns each notch.
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How it works
Engagement controls in the Rules Studio
Four sentences a practice leader can read, and the report waits until they pass.
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How it works
A diligence copilot that cites the data room
Ask about the target on screen; every figure in the answer is checked.
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How it works
The program after closing: what the buyer will really pay
The seller's master program ends at closing. The target's premium does not stay the same.
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How it works
Tails, run-off and change of control
Claims-made cover stops at closing unless someone buys the tail.
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Use cases
An industrial target on its parent's program
Four lines on the seller's master program, a TCE plume and a product suit.
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Use cases
A software target with uncapped contracts
Three enterprise contracts promise more than the cyber policy can pay.
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Use cases
A logistics target with large auto losses
A tractor-trailer suit above the auto limit, a captive and collateral to unwind.
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Use cases
A senior care operator with a captive
Medical professional in a captive, a wrongful death suit and no D&O.
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Use cases
A food manufacturer after an uninsured recall
$1.1 million of recall cost, no recall policy, and a subsidiary on its own GL.
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Use cases
Carving a business out of a global program
Every policy names the parent. On the day after closing, none of them will.
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Use cases
A vendor review: the certificate and the contract disagree
The MSA asks for $5 million of cyber. The certificate shows $3 million.
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Connected suite
From diligence finding to R&W exclusion: the hand-off to InsightDealDesk
A reviewed finding travels, signed, and lands as a likely exclusion.
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Connected suite
Target 360: what InsightPulse knows about the target
The subsidiary the schedule forgot is in the corporate hierarchy.
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Connected suite
Reading the data room: schedules, policies and loss runs
A policy is only useful once its limit, retro date and clause are fields with a page.
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