Transactional Diligence

Due diligence advice for transaction parties and lenders

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Strategic insurance solutions

Howden M&A's multi-disciplinary Transactional Diligence team has been involved in transactions from every angle.

Our Transactional Diligence practice combines two distinct teams:

Insurance Due Diligence – using due diligence exercises to help M&A and Real Estate investor clients make informed buying decisions
Lenders’ Insurance Advisory – helping lenders navigate limited and non-recourse financings worldwide

Both teams operate independently of Howden’s insurance broking teams. This allows us to manage potential conflicts of interest and offer truly impartial advice to clients and lenders.

Howden M&A combines innovation with hard-earned experience. That’s how we extract the most value for clients from transactions.

Insurance Due Diligence

Our Insurance Due Diligence (IDD) team advise buyers, sellers and M&A investors during a transaction, helping to identify any risks and insurance issues at the target before either acquiring or divesting a company. Our team will review all relevant documentation at the target level and issue a report with feedback.

A critical aspect of our work involves assessing insurance costs. Inaccuracies or insufficient coverage can negatively impact a target's valuation. Therefore, it’s essential for both sellers and buyers to gain a clear understanding of the target’s insurance program early in the transaction process.

Taking a structured, collaborative approach, we:

Pinpoint under-insured or uninsured risks
Validate a target’s purchase price, pricing in any outstanding insurance issues
Model and project future insurance costs
Roadmap key insurance actions
Mitigate against unexpected post-completion losses
Optimise and integrate insurance protection within the SPA

Lenders’ Insurance Advisory

Howden’s Lenders’ Insurance Advisory (LIA) team provides independent, lender-aligned insurance due diligence for limited and non-recourse financings.

Active globally and trusted by top-tier institutions, we ensure insurance programmes are compliant, bankable and tailored to lender risk profiles. Our structured methodology supports every stage of the financing process—across renewable energy, power, real estate, infrastructure, and natural resources—with over £5bn in advised transactions in 2024 alone.

We help lenders assess project risk, define and enforce borrower obligations, optimise insurance provisions and ensure regulatory compliance.

What sets us apart:

Independent & Impartial – Conflict-free advice, separate from Howden’s broking teams
Trusted by Global Institutions – Banks, DFIs, ECAs, corporates and funds worldwide
Proven Expertise – 100+ financings, £5bn+ in 2024, 50+ years’ experience
Sector Specialists – Deep knowledge across renewables, infrastructure, and more
End-to-End Process – From due diligence to financial close