Ethos Specialty and Aviva Specialty Forge Strategic Transactional Liability Partnership
By Lauren Towner · 5 November 2026
In brief: Ethos Specialty has partnered with Aviva Specialty to increase capacity for its transactional liability business, enhancing its ability to provide RWI and Tax Insurance solutions in the U.S. market.
| Partner | Aviva Specialty |
|---|---|
| Primary Product | Transactional Liability Insurance |
| Geography | United States |

Quick Summary
Ethos Specialty has secured a new transactional liability partnership with Aviva Specialty to expand its underwriting capacity. This collaboration enables Ethos to deliver more competitive insurance solutions, including Representations and Warranties (RWI), by leveraging Aviva’s financial strength and specialized U.S. commercial insurance platform.
How Does Ethos Specialty Solve Transactional Risk Challenges?
Ethos Specialty addresses the need for consistent underwriting capacity in a volatile market by forming strategic alliances with major carriers. As a Managing General Underwriter (MGU), Ethos provides specialized insurance programs that mitigate risks during corporate transactions. By integrating Aviva Specialty into its carrier roster, Ethos ensures that brokers and clients have access to reliable transactional liability coverage.
- Representations and Warranties Insurance (RWI) for M&A deals.
- Comprehensive Tax Insurance solutions.
- Access to A+ rated financial strength via Aviva.
What Results Has the Aviva Specialty Partnership Delivered?
The partnership strengthens the U.S. specialty market by combining Aviva’s capital with the deep underwriting expertise of the Ethos team. This move supports the continued growth trajectory of Ethos Specialty’s transactional liability business, which has been expanding its portfolio of carrier partnerships to maintain market discipline.
“Attracting new capacity in today’s market isn’t something we take for granted,” said Navine Aggarwal, Chief Executive Officer of Ethos Specialty. “It speaks to the expertise of our team, the discipline of our underwriting and the relationships we’ve built over time. We’re pleased to welcome Aviva Specialty as we continue to build on that foundation.”
How Does This Move Benefit U.S. Commercial Brokers?
Brokers gain a technology-enabled operating platform that simplifies the placement of complex risks. The collaboration focuses on creating long-term value through disciplined underwriting and a commitment to the U.S. market. With Aviva Specialty’s plans to expand into delegated authority programs, brokers can expect a broader range of specialty lines in the near future.
“Our partnership with Ethos is a strong example of how we’re building Aviva Specialty,” said Mike Karmilowicz, President of Aviva Specialty. “Ethos brings deep transactional liability expertise, strong underwriting and an established platform. Together, we’re pairing that expertise with Aviva’s financial strength and long-term commitment to the U.S. market, while creating value for brokers and clients.”
FF NEWS TAKE:
This partnership definitely moves the needle for the transactional liability sector. By securing capacity from a heavyweight like Aviva, Ethos Specialty reinforces its position as a top-tier MGU. In an environment where capacity can be fickle, this deal provides the transactional liability partnership stability required for complex M&A activity, signaling a maturing and robust U.S. specialty insurance ecosystem.
Frequently asked questions
What is the goal of the Ethos Specialty and Aviva Specialty partnership?
The partnership aims to strengthen Ethos Specialty's Transactional Liability business by adding new underwriting capacity from Aviva Specialty. This allows Ethos to provide more consistent and competitive insurance solutions, such as Representations and Warranties Insurance (RWI), to brokers and clients in the U.S. market.
What types of insurance does Ethos Specialty provide?
Ethos Specialty is a Managing General Underwriter (MGU) that focuses on specialized insurance programs. Their transactional risk business specifically provides solutions including Representations and Warranties Insurance (RWI) and Tax Insurance, supported by a growing portfolio of carrier partners.
What is Aviva Specialty's role in the U.S. market?
Aviva Specialty is a wholly owned U.S. specialty insurance platform headquartered in New York City. It combines experienced leadership with a technology-enabled platform and the financial strength of Aviva Insurance Ltd (rated A+ by AM Best) to serve the commercial insurance market.
About the companies
Ethos Specialty Insurance Services LLC
Website · 1 story on FF News since 2026
Companies in this story: Aviva Specialty, Ethos Specialty Insurance Services LLC
People in this story: Navine Aggarwal, Mike Karmilowicz