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Insurance for Fintech, Built for Money Movement

Protect payment flows, bank partnerships, customer data, and leadership decisions with coverage tuned to regulated financial technology.

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Why Fintech Companies NeedCoverage Built for Payments, Partners, and Regulatory Scrutiny

Partner requirements

Sponsor banks, processors, and enterprise partners often require coverage before integrations go live.

Transaction mistakes

Payment routing, ledger, reconciliation, and reporting errors can create direct financial loss allegations.

Trust and compliance

Financial data, money movement, and regulatory scrutiny make cyber and crime coverage part of the core stack.

Common Risk Triggers for Fintech Companies: Bank Requirements, Transaction Errors, and Funds Exposure

The sponsor bank review

Insurance Packages That Slot Perfectly Into Fintech Companies

Pre-Seed & Seed

Core protection for you and your product

Policies included in this package:

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Series A

Protects you, your board, and helps you close bigger deals

Policies included in this package:

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Growth Stage

Protection for leadership risk, transactions, and scale

Policies included in this package:

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Custom Package

Know exactly what you need?

Pick the policies that fit your business best

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Click anyPolicyto see what it covers

Core Insurance Packages for Fintech Companies

From sponsor-bank onboarding to transaction fraud, these policies help fintech teams protect money movement, customer data, leadership, employees, and operations.

Commercial General Liability (CGL)
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Commercial General Liability (CGL)

Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.

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Cyber Liability
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Cyber Liability

Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.

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Tech & AI Liability
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Tech & AI Liability

Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.

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Directors & Officers
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Directors & Officers

Covers claims made against company leaders for alleged wrongful acts in managing the business.

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Employment Practices Liability (EPLI)
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Employment Practices Liability (EPLI)

Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.

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Fiduciary Liability
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Fiduciary Liability

Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.

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Media Liability
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Media Liability

Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.

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Hired and Non-Owned Auto (HNOA)
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Hired and Non-Owned Auto (HNOA)

Provides liability coverage when employees use rented or personal vehicles for company business.

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Fintech Claims ScenariosRouting Errors, Vendor Disputes, and Regulatory Inquiries

The vendor dispute

A bank partner alleges your platform missed contractual performance obligations during launch.

The routing error

A payment-flow bug misroutes transfers, and a partner seeks recovery costs and damages.

The regulatory inquiry

A regulator requests information about disclosures, controls, or product practices, and response costs mount.

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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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