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Partnering, Mergers & Acquisition Services
Since our inception, we have always played an advisory role for our clients, helping them manage the insurance risks related to their business and with any partnering arrangement, merger or acquisition they are contemplating.
We firmly believe the risk management role is a vital one for any company to be successful. In the same way as a firm must have tax, accounting and legal resources at their disposal, so must they have a professional insurance resource.
From new locations, to a change in product or service, or the outright purchase of another company, there is literally no move that a firm makes throughout its growth and evolution that does not come with an insurance implication.
When looking to purchase, merge or partner with another company, we believe it is paramount that a thorough review of the target firm’s insurance programme is completed. Our experience has indicated that a strategic review of an insurance programme can shine a different kind of light on a company’s management style. It can reveal extremes from a dedicated professional approach to managing risk to avoidance or misrepresentation, and everything in between. As such, this process is a valuable addition to any due diligence process.
Some of the areas we focus on during this strategic review are the types and complexity of the coverages in place; the use of self-insurance or alternative risk transfer and a review of claims history.
These areas can speak volumes about the attitude toward risk management in general and reveal unique details related to the company’s facilities, operations and procedures.
Further, it is vital that someone in your corner completes this analysis, with your interests at heart, in order to truly understand the appropriateness, adequacy and risks related to the target company’s current insurance programmes.
These days, companies are seeing unprecedented competition and are constantly required to stretch their financial and non-financial resources in order to remain competitive and successfully grow. Because time equates to money today, we are well positioned to deliver value to our clients quickly and efficiently. As such, we promise to provide the following:
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Response Time |
From our ability to respond within hours of a request to working to very compressed deadlines, response time is one of the key advantages of working with Hubbard Insurance Brokers Inc. |
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Lower Fees |
Lower overhead, equals’ lower fees. |
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The 2 Q’s |
A qualitative & quantitative in-depth analysis of a programme, including a well balanced assessment of the product, operational, physical and geographic exposures, which not only shows the current risk areas, but also the areas of focus or concern as it relates to the company’s future growth and business direction. |
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Environmental |
An Environmental Impairment Liability assessment can be unique from an insurance point of view because it goes beyond the typical Environmental Impact Study (Phase 1?). It can reveal some potentially staggering hidden future insurance costs or even availability of coverage issues, which may have an adverse affect on growth or expansion plans, especially if unplanned. |
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Beyond Benefits |
Benefits always is a key area of cost concern, containment and control. Rarely is there not the ability to make some alterations to a programme that will net advantages, however, individual health, life and Key man insurance are often more vital areas of concern for investors. |
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Reporting Flexibility |
Because an in-depth insurance review is one segment of the due diligence process, we understand that it has to fit into an overall plan and reporting framework. Our reporting process has the flexibility to fit into any reporting format and we can tailor our final report to our client’s requirements and audience. |
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Entrepreneurs Working with Entrepreneurs |
Entrepreneurs, business owners in general prefer to deal with other business owners and that is a key role we play. We are business owners, entrepreneurs. |
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Consistency of Senior Resources |
The use of the same key, senior people always, for all assignments helps us maintain the integrity of our strict confidential and unbiased approach. |
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Confidentiality |
We pay particular attention to keeping work like this to ourselves, involving only an inner circle within our own firm and never discussing things outside of it. |
All data exchanged, material from conversations & meetings are maintained in the strictest of confidence.
We have many years of experience in acting for our clients in this capacity. However, we are also active, working with angel, venture capital and private equity firms on project specific cases.
Because of our experience and ability to be thorough and responsive, we are confident we can deliver unique and meaningful findings to assist our clients with their investment decisions.
