Capabilities · 04
Insurance & risk solutions
A financing that needs the best case to work is not a financing. Insurance is how a single event — a founder leaving, a customer failing, a liability claim — stops being an existential one.
- Cover
- Credit, D&O, key-person, asset
- Placement
- At facility close
- Panel
- Investment-grade insurers
- Limit
- Up to facility principal
Risk transferred before it is drawn
Cover is placed at close, not promised for later. The policy wording and the facility agreement are negotiated in the same room, so the payout and the covenant cannot disagree.
Portfolio-level protection sits on top: aggregate credit cover across the book, business-interruption cover on concentrated exposures, and a reserved pool for the events no policy captures.
Map the exposure
Every facility is stress-tested against five named events: founder exit, top-customer loss, technology failure, litigation and rate shock.
Place the cover
We broker directly with investment-grade insurers and pass through pricing at cost, without commission.
Test it annually
Policies are re-tested against the portfolio each year, and lapses are reported to the committee as they occur.
What we look for
The screen, before the term sheet.
- Named beneficiaries and clear assignment mechanics in the policy
- Cover that survives a change of control or a refinancing
- Claims history reviewed before renewal, not after a loss
- A reserve that assumes the policy does not pay
Related disciplines
One balance sheetEnquiries