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.
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
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)
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)
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)
Critical Coverages for the Fintech Stack
Technology errors & omissions
Covers professional liability arising from technology products or services.
Cyber
Covers hacking, ransomware, and data privacy claims.
Media liability
Covers content, advertising, and intellectual property risks.
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.
Explore our services
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Explore the crossroads of fintech with focused insights on money transfer, regulation, and digital asset security.
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Marketplace
Insurance for Marketplaces & Platforms. Safeguard your platform and users while navigating the gig economy's risks.
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Health-tech
HIPAA-compliant insurance to protect your business against data breaches and regulatory fines.
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SaaS
Scale confidently with coverage tailored for software companies, from E&O to cyber liability.
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