From data room to bound policy in under 7 days.Start your first deal
Institutional Trust · Algorithmic Precision

The Future of M&A Insurance

Stoa replaces traditional Warranty & Indemnity underwriting and legal validation cycles with AI-powered due diligence, connecting dealmakers and carriers on a single, cryptographically auditable marketplace.

Uploads are encrypted, confidential, and isolated to your organisation.

Live on the panel

Deals Quoted
1,240+
Carriers on Panel
38
Limit Placed
$14.2B
Median Time to Bind
6.4 days
  • SOC 2 Type II
  • ISO 27001
  • GDPR
  • Lloyd's Coverholder
  • FCA Registered
  • SHA-256 Audit Ledger

Accelerate Placement

AI extraction pre-fills the submission, so brokers verify a populated deal file instead of re-keying it. Days become minutes.

Scale Without Limits

One submission reaches the whole carrier panel at once. No minimums, no parallel email threads, no version drift.

Price With Confidence

Every warranty is scored against sector coefficients and disclosure gaps, so underwriters price the risk rather than hunt for it.

Provable Delivery

Each submitted package is SHA-256 hashed into a locked snapshot. Traceability from first upload to bound policy.

One submission. Every structure your transaction needs.

Four cover structures, one verified deal file, and the same panel of carriers pricing against it.

Institutional W&I cover, priced against a locked risk file

Buy-side and sell-side representations & warranties cover for transactions from $20M to $2B, underwritten from a single verified submission rather than a re-keyed questionnaire.

  • Every warranty scored Low / Medium / High against sector coefficients
  • Limit, retention, and rate on line configured by the carrier in one workspace
  • Covers enterprise values from $20M through $2B, primary and excess layers
6.4 daysmedian submission to bound policy

Measured across transactions submitted through the Stoa marketplace. Figures are illustrative of the platform model and are not a quotation or an offer of cover.

Why Choose Stoa

Built for tier-1 underwriters and corporate legal teams

Every capability below exists to remove a step a human currently repeats by hand.

AI-Powered Underwriting

LLM extraction turns raw data-room documents into a structured, field-confidence-scored underwriting grid in minutes, not weeks.

Automated Risk Heatmaps

Every representation & warranty is scored Low, Medium, or High using sector coefficients and disclosure-gap detection.

Immutable Audit Trail

Every submitted deal is hashed into a locked version snapshot. Parameter changes create new versions — never silent overwrites.

Comparable Bidding

Carriers configure limit, retention, and rate on line against one un-mutated risk report. Premium is computed automatically.

Native VDR Connectivity

Intralinks, Datasite, and ShareVault connect directly, so the data room stays the single source of truth.

Tenant Isolation

Row-level security isolates every broker organisation and gates carrier visibility to deals that have left draft status.

Why Stoa Compounds

Proprietary data moat

Every placement trains Stoa's underwriting and pricing models. The risk engine sharpens with each deal and gets harder to replicate over time.

Two-sided network effects

More carriers mean tighter, more competitive pricing; more quality deal flow attracts more carriers. The loop reinforces itself.

Auditable by design

SHA-256 versioned snapshots plus SOC 2, GDPR, FCA and NYDFS readiness make Stoa trusted at institutional scale across US, UK and EU.

From data room to bound policy in under seven days

Four stages, each one removing work the market currently does twice.

  1. 01

    Upload

    Drop SPA drafts, financial models, and disclosure schedules — or connect a live VDR.

  2. 02

    Extraction

    The async extraction engine parses documents and populates the deal metadata grid.

  3. 03

    Risk Model

    The underwriting matrix scores every warranty and drafts specific exclusions in real time.

  4. 04

    Marketplace

    Carriers inspect the locked risk report and submit structured, comparable bids.

What placement looks like when the file never moves

Technology

A $340M SaaS carve-out bound in five days without a single re-keyed warranty

Four carrier bids returned inside 72 hours of submission.

Read the story
Industrials

Environmental exposure ring-fenced so a cross-border acquisition could still sign

Contingent risk isolated with a defined ceiling before signing.

Read the story
Healthcare

Reimbursement risk priced against a locked file, not a moving disclosure schedule

Every carrier priced the identical, hash-verified package.

Read the story
  • “We submitted once and had four comparable bids back before the end of the week.”

    M&A Partner, mid-market PE

  • “The exclusions were drafted against our actual documents, not a boilerplate template.”

    Transaction Services Lead

  • “Underwriting a deal from a locked, hash-verified package removes the arguing about versions.”

    W&I Underwriter

  • “Fifteen minutes to submit. That used to be a two-day exercise in re-typing.”

    Corporate Development Director

  • “The risk heatmap tells us where to spend our diligence hours before we open a single PDF.”

    Head of Underwriting, MGA

Life of a deal

Two sides of the same record — neither one re-keying what the other already entered.

For Deal Makers

PE firms and M&A advisors submit a deal once, in under fifteen minutes, and receive structured, comparable bids from vetted carriers — without a single re-keyed field.

For Insurance Carriers

Underwriters review the un-mutated deal package alongside the automated Stoa Risk & Exclusions Report, then configure limit, retention, and rate on line in one workspace.

Ready to bring your next deal to market?

Submit a transaction package and receive structured carrier bids on a fully auditable marketplace.