Mergers & Acquisitions Support
Bradley Risk provides specialized risk and insurance advisory throughout multifamily M&A activity, ensuring clean insurance transitions, risk continuity, and early identification of inherited exposures. From pre-close risk strategy and diligence to post-close integration and portfolio harmonization, we protect deal value and support scalable growth.
Best for: Investors and operators executing growth strategies who need clean insurance transitions, risk continuity, and early identification of inherited exposures.
Risk Continuity Built for Scalable Multifamily Growth
Bradley Risk provides specialized risk and insurance advisory throughout multifamily mergers, acquisitions, platform roll-ups, and portfolio growth strategies. Our support is designed to protect deal value, ensure clean insurance transitions, and surface inherited exposures before they become post-close surprises.
Because we work continuously across multifamily portfolios nationwide, we bring a real-time macro view of carrier appetite, pricing discipline, and coverage constraints into every transaction. This allows us to model go-forward insurance feasibility, anticipate integration friction points, and align deal structure with real-world underwriting realities.
Our offerings span the full transaction lifecycle—from pre-close risk strategy and diligence to post-close insurance integration and long-term portfolio harmonization. We help investors avoid coverage gaps, pricing shocks, and operational disruption while ensuring the combined platform’s risk infrastructure scales efficiently as the portfolio grows.
We go beyond policy rollovers. Our M&A process evaluates inherited liabilities, open claims, contractual risk transfer weaknesses, asset-level hazards, and insurance program compatibility. Our objective is to make risk management an enabler of growth—not a constraint—by building a clean, defensible, and scalable risk foundation for the combined entity.
Engagement Models
Pre-Close Risk Strategy & Diligence
Strategic advisory during LOI and definitive agreement stages to inform deal structure and valuation assumptions, including:
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Go-forward insurance structure modeling
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Exposure impact analysis
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Inherited liability discovery
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Coverage feasibility assessments
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Identification of post-close risk remediation priorities
Best for transactions where insurance cost, availability, or inherited exposures could materially impact deal economics.
Transaction Insurance Planning
Design of interim and go-forward insurance programs to ensure continuity of coverage at close, including:
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Standalone vs. consolidated program strategy
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Transitional service period insurance planning
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Tail coverage and run-off exposure analysis
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Carrier and broker transition coordination
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Deductible, limit, and retention alignment
Best for complex platform acquisitions, carve-outs, or cross-border portfolios.
Post-Close Insurance Integration
Execution support after close to consolidate and harmonize insurance programs, including:
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Transitioning assets into master insurance programs
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Aligning coverage terms, deductibles, and limits
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Eliminating overlapping or redundant coverages
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Carrier and broker relationship restructuring
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Claims transition and open-claim integration
Best for platforms seeking operational stability and cost discipline immediately after closing.
Inherited Exposure Review
Forensic analysis of acquired risk profiles to surface latent liabilities and structural weaknesses, including:
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Open and historical claims review
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Contractual risk transfer failures
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Environmental and premises liability exposure flags
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Construction defect and development risk review
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Asset-level underwriting red flags
Best for portfolios with legacy issues, distressed assets, or opaque historical records.
Portfolio Harmonization & Optimization
Long-term advisory support to build a unified, scalable risk infrastructure across the combined platform, including:
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Insurance program standardization
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Risk control and governance alignment
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Contract template harmonization
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Broker strategy rationalization
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Multi-year cost modeling and optimization roadmap
Best for growth platforms executing serial acquisitions.
WHAT THIS INCLUDES
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Pre-close risk and insurance strategy modeling
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Insurance due diligence
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Inherited liability discovery
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Go-forward insurance feasibility analysis
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Transaction insurance planning
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Carrier and broker transition management
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Post-close insurance integration
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Portfolio harmonization planning
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Open-claim transition oversight
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Contractual risk transfer review
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Asset-level underwriting red-flag analysis
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Risk remediation roadmap development
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Executive and investor reporting
COMMON TRIGGERS TO ENGAGE US
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A platform acquisition or portfolio roll-up is underway
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Insurance costs or coverage terms could materially impact deal valuation
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Inherited liabilities are unclear or poorly documented
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Seller insurance programs are incompatible with buyer platforms
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Closing timelines leave no room for insurance disruption
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Carve-outs require standalone insurance programs
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Claims histories are opaque or under-reserved
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Contractual risk transfer standards differ across platforms
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Growth is outpacing existing risk infrastructure
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Leadership wants an independent second opinion before committing capital