---
title: Impact of M&A activities on business insurance
description: Businesses evaluating merger and acquisition opportunities have a lot to consider. Don't forget to ask important questions regarding business insurance.
image: https://insights.bukaty.com/hubfs/AdobeStock_1037852794-1.jpeg
---

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# Impact of M&A activities on business insurance

Authored by  Bukaty Companies on Apr 25, 2025, 10:11:07 AM

Businesses considering merger and acquisition opportunities must practice due diligence to ensure potential business partners don't come with hidden risks. Bukaty Companies Property & Casualty knows asking the right questions is vital to identify and mitigate potential liabilities. Keep these business insurance considerations in mind when evaluating merger and acquisition (M&A) activities.  

**What is the claims history of the target company?**

Bukaty Companies Property & Casualty recommends requesting a five-year history of loss runs. Investigating the target company’s claims history can reveal past issues that impact future claims or premiums. 

**Does the target company have any coverage gaps?**  
Any deficiencies or gaps in the target company’s current coverage may leave you exposed to risk after an acquisition is complete. 

**Is the indemnification clause sufficient?**  
Review the indemnification provisions in the acquisition agreement to ensure they adequately protect you against any unforeseen liabilities. 

**Is the target company compliant with state and federal requirements?**  
Investigate any outstanding compliance violations. If the target company operates in multiple states or jurisdictions, consider any local regulations that may impact insurance coverage.  

**What is the policy integration plan?**  
Preparation is key. Strategize how the target company’s insurance programs will be consolidated or integrated during the business transition. Budget and create a contingency plan for any additional insurance costs incurred. Verify if policies can be transferred post-acquisition or if new policies must be issued. 

**Who can provide the right support and insurance advice? **   
Refer to the experts. Bukaty Companies Property & Casualty has a team of trusted risk advisors and specialists ready to assist in merger and acquisition transitions. 

Contact Bukaty Companies Property & Casualty at 913.951.2400 for more information. 

 Blog Category: [Business Insurance](https://insights.bukaty.com/pc_insurance_insights/topic/business-insurance)

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