Warranty & Indemnity

Any deal is likely to have certain elements where you’re uncertain or uncomfortable. Warranties and Indemnity (W&I) insurance is a powerful tool to streamline negotiations between the parties, offering financial protection for unknown risks that lead to warranty breaches. 

W&I can allow the seller to limit its liability to a low level, while also giving the buyers their desired protection. It covers breaching warranties or a claim under the tax covenant set out in the underlying acquisition agreement. 

Always bespoke

Every deal is different, so the insurance contracts must be bespoke; tailored to match the deal covenants precisely. We handcraft solutions to help you get your deals over the line, without the sleepless nights.

The W&I specialists who make up our team have backgrounds in corporate and tax law, investment banking and insurance. 

Who is W&I insurance for?

The buyer or seller. The seller will often introduce insurance to the deal but, in 9 out of 10 deals, the buyer is the policyholder. A buyer-side policy affords the buyer more control and comfort; they can claim directly from the insurer, with no need to involve the seller. The insurer will waive subrogation rights against the seller (barring seller fraud, of course).

W&I can also be used in place of escrow funds so that proceeds are distributed to investors immediately rather than tied up.

Key exclusions in W&I policy

The following are not covered under the terms of a standard W&I.

  • Known, identified risks 
  • Transfer pricing
  • Secondary tax liabilities 
  • Pensions underfunding 

If you would like to discuss scenarios that include the above, please get in touch and speak to a specialist. 


Typically 0.75-1.3% of the policy limit for real estate transactions and 1-2% for operational businesses - depends on factors including the jurisdiction of the acquisition agreement, nature, and location of the target's operations and policy parameters. 


We can go from an initial discussion to having a tailor-made policy in place for you within 17 days. 

Policy periods typically match or, in the case of a buyer-side policy, extend the time limitations set out in the acquisition agreement. The policy period is generally 18-36 months for general warranties and seven years for title, capacity and tax.

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    Our office locations:

    Latifa Towers
    East Wing – Level 1
    Trade Centre 1, Sheikh Zayed Road
    Dubai, U.A.E.
    P.O. Box 49195

    Howden Specialty
    Gate Village 5, Level 4, Office 401
    DIFC - Dubai, UAE
    P.O. Box 482078
    +971 4 223 9964

    Office 1701, Level 17
    City Gate Tower, Al Ettihad Street
    Sharjah, UAE

    Howden Guardian
    New EMI State Tower
    Office - 103 & 104
    Airport Road, Abu Dhabi - U.A.E.
    P.O. Box 51012
    +971 2 491 3777
    [email protected]

    Abu Dhabi
    Office - 1010, Level 10
    Al Obaid Office Tower, Airport Road
    Rashid Al Maktoum Street 2
    Abu Dhabi, UAE
    P.O. Box 44897

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