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The “Marriage Proposal” of M&A

The Letter of Intent (LOI) – sometimes called a term sheet – is a vital first step in many M&A transactions. With an LOI, Buyers show that they’re serious about acquiring a business. And it allows the Buyer and Seller to have conversations to discover whether the vision each has for the deal lines up […]

Alternatives When Representations and Warranty Insurance Isn’t a Fit 

In the world of M&A, many companies, on both the buy-side and sell-side, have realized the tremendous benefits provided by Representations and Warranty insurance. The Buyer is able to recover any losses from a breach of the Seller reps without doing so at the expense of the Seller. The Buyer simply makes a claim with […]

AB 5: Employees VS Independent Contractors

AB 5 is a law passed by the California state legislature and signed into effect by California governor Gavin Newsom. AB5 restricts who can be considered an independent contractor, which is why it is important to understand what AB5 is and how it affects business owners and independent contractors.

Let’s Talk Indemnification 

After an M&A deal closes – and there are breaches of any of the Representations and Warranties from the Seller – the Indemnification provision protects the Buyer from the resulting damages. In most cases, a portion (10% of the transaction value) is held back from the Seller to pay for these financial losses. Indemnification provisions, […]

Austin Leo | Insurance That Increases Sales

In the world of tech, a lot of companies, especially the smaller ones and startups, their financials are quite opaque. You never know on the surface if one is about to go under or go unicorn. Austin Leo, VP of USI Insurance Services, highlights a specialized type of insurance, once reserved for large manufacturers, that […]