A corporation that was selling a business unit used self-insured workers’ compensation retentions. The parent company reported claims only after thresholds were met, having the effect of understating true insurance costs for its divestiture.

The quality of earnings report identified only a portion of the claims and premiums running through the income statement. Hylant discovered the carve-out’s insurance costs were understated by 35%.

Armed with accurate cost estimates, the acquirer reduced its offer by $22.5M, avoiding overpayment at a 10x earnings multiple.

A PE group acquired several catering companies and later faced costly renewal surprises because prior diligence only confirmed the targets were insured.

One acquired company had a poor and expensive loss history that had not been analyzed for its impact on future costs.

Hylant evaluated the portfolio companies, consolidated programs onto one platform, reduced costs by 79%, lowered wind/hail deductibles and simplified administration.

A PE firm planned to invest in a privately held auto collision repair center and wanted to understand risk before finalizing the transaction.

Hylant identified inadequate protection relative to risk, specific uninsured areas and significant key person risk.

The client strengthened protection, addressed key person risk and achieved a 30% reduction in benefits spend while avoiding employee disruption.

A credit union was considering two acquisitions and wanted to uncover issues that could weaken the deal or create integration risk.

Hylant uncovered indemnity risks that led the client to move forward with only one acquisition and identified coverage terms that should be strengthened.

The client avoided a problematic acquisition, improved the go-forward deal structure and obtained $10 million in employer liability limits for relatively few dollars.