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Fintech Insurance, Professional Liability for the Future of Finance

Navigate the intersection of finance and technology with coverage built for payments, platforms, and regulated partnerships.

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Why standard tech insurance isn't enough

Fintech risk blends technology performance, partner expectations, and regulatory scrutiny—and claims often involve multiple stakeholders at once.

The Technology Failure

A bug in your API prevents users from accessing features, balances, or transactions—partners and customers demand answers fast.

The Financial Error

A mistake in payment routing, reporting, or product configuration leads to allegations of customer harm or operational losses.

The Trust Factor

When money is involved, minor issues escalate quickly—claims can come from customers, banks, processors, or vendors.

High-intent risk triggers for fintech companies

Banking-as-a-Service requirements

Sponsor banks and processors require strong E&O/Cyber limits before go-live.

Money transmitter licensing

Licensing and compliance requirements increase customer and partner scrutiny as you expand.

Enterprise partner onboarding

Larger partners require vendor packets, COIs, and contractual insurance requirements before integration.

Our Packages That Protect Your Fintech Company

Pre-Seed & Seed

Pre-Seed & Seed

Core protection for you and your product

What's included

  • General third-party claims (CGL)
  • Protects you and leadership decisions (D&O)
  • Protects you if your tech fails or causes a claim (Tech E&O)
  • Protects you if data is exposed or systems are breached (Cyber)
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Series A

Series A

Protect you, your board, and help you close bigger deals

What's included

  • Protects you and leadership decisions (D&O)
  • Protects you if your tech fails or causes a claim (Tech E&O)
  • Protects you for general third-party claims (CGL)
  • Protects you for marketing/content claims (Media)
  • Protects you from employee-related claims (EPLI)
  • Protects you if data is exposed or systems are breached (Cyber)
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Growth Stage

Growth Stage

Protection for leadership risk, transactions, and scale

What's included

  • Everything in Series A, with stage appropriate limits
  • Protects you for benefit plan responsibilities (Fiduciary)
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Critical Coverages for the Fintech Stack

Technology errors & omissions

Technology errors & omissions

Covers professional liability arising from technology products or services.

Cyber

Cyber

Covers hacking, ransomware, and data privacy claims.

Media liability

Media liability

Covers content, advertising, and intellectual property risks.

Directors & officers

Directors & officers

Covers claims related to management decisions and corporate governance.

Fintech Claims Scenarios

The “Routing Error”

A bug in your payment flow misroutes transfers. A partner alleges losses and demands recovery costs.

The Vendor Dispute

A bank partner alleges your platform failed to meet contractual performance expectations during a launch.

The Regulatory Inquiry

A regulator requests information about disclosures and product practices. Legal and response costs escalate quickly.

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AI insurance

AI insurance

Stay ahead with AI liability coverage, model risk protection, and IP defense.

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Fintech

Fintech

Explore the crossroads of fintech with focused insights on money transfer, regulation, and digital asset security.

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Marketplace

Marketplace

Insurance for Marketplaces & Platforms. Safeguard your platform and users while navigating the gig economy's risks.

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Health-tech

Health-tech

HIPAA-compliant insurance to protect your business against data breaches and regulatory fines.

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SaaS

SaaS

Scale confidently with coverage tailored for software companies, from E&O to cyber liability.

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FAQ

Fintech startups need Technology Errors & Omissions (E&O) for software failures, Cyber Liability to protect against data breaches and PCI compliance issues, Crime/Fidelity coverage for theft of funds, and Directors & Officers (D&O) insurance. Sponsor banks and payment processors often mandate specific coverage types and limits before partnerships can go live — Corgi bundles all of these in one policy.
Technology E&O for fintech covers claims arising when your software causes financial harm to clients, such as payment routing errors, incorrect transaction processing, or reporting failures. It also covers defense costs when a banking partner or customer alleges your platform failed to perform as contractually promised — Corgi's policy is built for these multi-party disputes.
Yes. Crime and fidelity insurance is critical for fintechs that handle, route, or influence the movement of money. Standard cyber policies typically cover data breaches but not stolen funds. With Corgi, a crime/fidelity bond covers employee theft, social engineering fraud, and funds transfer fraud that are common risks in financial technology.
Fintech companies need cyber coverage that addresses PCI-DSS compliance costs, data breach notification and response for financial records, regulatory defense for state and federal financial regulators, and business interruption from system outages. Given the sensitivity of financial data, Corgi's comprehensive limits are essential for maintaining partner trust.
Regulatory requirements vary by state and activity, but money transmitter licenses often require surety bonds. Banking partners mandate Tech E&O and Cyber with specific minimum limits. PCI compliance auditors expect proof of cyber coverage, and investors require D&O insurance to protect against management liability claims.
Sponsor banks and BaaS providers usually require Crime / Fidelity Bond coverage to backstop fund movement, Cyber Liability with breach response built in, Tech E&O for software performance, and proof that your AI-CIP and BSA/AML programs are operating. Limits are negotiated per partner, but $1M–$5M per coverage line is a common floor for active programs. Corgi packages these together so a partner bank can validate in a single COI.
If your platform stores, processes, or transmits cardholder data, your Cyber Liability policy needs explicit PCI carve-back language — many off-the-shelf policies exclude PCI fines and assessments by default. The coverage should also include forensic investigation, breach notification, and card-brand assessment defense, which is where most of the dollar cost lands during an actual incident. Corgi writes PCI-aware cyber for exactly this reason.
Surety bonds and insurance are different instruments. State money transmitter licenses require surety bonds to guarantee performance to regulators and customers — these are not insurance policies and do not protect your company. You also need separate insurance (Crime/Fidelity, Cyber, Tech E&O, D&O) to actually defend the business when something goes wrong. Most fintechs need both, and Corgi can coordinate alongside the bond program your compliance team places.
Funds transfer fraud, social engineering, and wire-instruction fraud typically respond under Crime / Fidelity, while errors in your payment-routing logic that cause customer loss respond under Tech E&O. Cyber may also trigger when the fraud was enabled by a credential compromise — see Cyber Liability. The most common gap is assuming cyber alone covers stolen funds; it usually doesn't, which is why Corgi bundles crime explicitly for fintech.

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