Regulated like a financial firm, built like a software company.
We cover payments, lending, wealth and banking-adjacent technology, where technology risk, financial services regulation and money movement all sit in one business.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What fintech businesses actually need.
General liability
Offices, visitors and events: the ordinary premises exposure a technology balance sheet still carries.
Without it — Required by every lease and most enterprise vendor packets, whatever the product is.
Technology E&O
Platform failures, outages and processing errors.
Without it — An outage during settlement is a financial loss to every user at once.
Professional liability for financial services
Advice, suitability and regulatory exposure where you are a regulated participant.
Without it — A technology form alone may exclude the financial services activity.
Cyber liability
Breach of financial and identity data, and funds transfer fraud.
Without it — The highest-value data category there is.
Crime and social engineering
Theft of funds, yours or held for others, including fraudulent instruction.
Without it — Cyber policies frequently sublimit or exclude the funds themselves.
Directors and officers
Board exposure, required by investors and heightened by regulatory scrutiny.
Without it — A regulatory investigation reaches individuals directly.
What our fintech clients ask us.
Are we a technology company or a financial one?
For insurance purposes, usually both, and being placed as only one is the failure mode. A pure technology form can exclude financial services activities; a financial institution form can exclude the technology failure. Fintech needs the two read together, and the boundary depends on specifics, whether you hold client money, whether you are the regulated entity or ride a partner’s license, and whether you make credit or suitability decisions.
What does the money-movement exposure need?
Crime coverage, and read the social engineering part closely. Cyber policies commonly cover the breach and its costs while excluding or heavily sublimiting the stolen funds themselves, and fraudulent instruction, a convincing email that causes your team to send money, is the single most frequent loss in this category. It sits under crime rather than cyber on most programs, and the sublimit is often far below the amounts a payments business moves daily.
We operate under a partner bank’s license. Does that reduce our exposure?
It changes who the regulator talks to and not who your customers sue. The partner’s agreement will also impose insurance requirements on you, usually with specified limits and additional insured status. Those obligations are frequently the reason a fintech buys coverage at all. Read the schedule in the partnership agreement early; it is common to find requirements that are hard to satisfy once signed.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.