Fintech insurance

Fintech insurance for payments, lending, and embedded finance.

The buying problem is data, transaction errors, and often crime. A bank partner or sponsor will ask for a schedule. We review that schedule against what a market will write. Binding sits with the carrier. We transact only where licensed.

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PaymentsFundsCrimeControls

What this file usually includes

Cyber and technology E&O are the usual starting point. Crime and social engineering matter when funds move or vendors can impersonate a payment instruction. Directors and officers cover often arrives with a round or with regulatory scrutiny. The policy forms, not this page, decide what is covered.

We are an independent agency. We do not issue policies in our own name. A licensed advisor reviews your file. We aim to respond within one business day.

Have these ready to email

Whether you hold or move customer funds, or only provide software
The insurance exhibit from a sponsor or enterprise customer
Regulatory status, if any: money transmitter, bank partnership, RIA, or none

This site does not accept uploads. After you submit, email the exhibit to the address in the application. A certificate does not create the sponsor’s wording if the policy does not have it.

Today

CyberFinancial and personal data. This is often the first cover a partner or customer names.

Technology E&OPlatform and transaction errors. A claim that the product failed to perform is not the same as a breach.

Crime and social engineeringWire fraud and vendor impersonation are frequent claim types in this class. Limits and conditions are often narrower than the rest of the form.

Workers compensationRequirements vary by state, employer type, and workforce. Remote staff are typically rated where they work.

As you grow

Sponsor or bank agreementSponsors specify limits, wording, and notice. Send us the schedule. We will identify what can be satisfied, what may require an endorsement, and what may not be available.

Holding customer fundsCustody changes the crime file. Tell us whether you hold funds, move them through partners, or only provide software.

Priced roundDirectors and officers cover. Outside directors commonly expect the company to maintain D&O. See startup D&O insurance.

Questions we hear

No. We aim to respond within one business day. Binding authority sits with the issuing carrier or authorized market. We transact only where licensed.

No. A sponsor’s requirements are a contract schedule. Your policies are your own. A certificate does not create the sponsor’s wording if the policy does not have it.

Often yes, if the software sits in payments, lending, or embedded finance. If you are a generic SaaS company with no funds movement, use the SaaS page. If you are not sure, pick fintech in the application and describe it. We will recode the file.

Related guides

Start as fintech.

The application opens on fintech so we ask about funds, partners, and regulation.

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