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Insurance for Fintech
Payments, lending, neobanks, BaaS, and embedded finance live where technology risk meets financial regulation. We build insurance programs that cover both — and that satisfy the bank-partner, investor, and contractual requirements fintechs have to meet.
Fintech sits in one of the most heavily scrutinized corners of the market. You face technology exposures (processing failures, outages, API errors), financial-crime exposures (funds-transfer and social-engineering fraud), regulatory exposures (licensing, BSA/AML, consumer-protection enforcement), and the management-liability exposure that comes with raising capital fast.
A generic business policy doesn't cover that combination. We assemble a modular program — D&O, Tech E&O/Professional Liability, Cyber, and Crime — tailor the wording to how your product actually moves money, and place it across specialty markets that understand fintech. And because sponsor banks and enterprise customers impose specific insurance requirements, we make sure the program satisfies your contracts the first time.
Relevant coverages
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Frequently Asked
Common questions
What insurance do fintech companies need?
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Most fintechs need a layered program: D&O for the board and fundraising exposure, Technology E&O / Professional Liability for service and processing failures, Cyber for data breaches and funds-transfer fraud, and Crime / Fidelity for theft and social-engineering loss. Payments, lending, and BaaS companies often layer regulatory and contractual requirements on top, which the program has to satisfy.
Why do bank partners and customers require fintech insurance?
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Sponsor banks, payment networks, and enterprise customers almost always require fintechs to carry specific coverages at minimum limits — commonly Tech E&O/Professional Liability, Cyber, Crime, and sometimes D&O — as a condition of the contract. We read those requirements and place coverage that satisfies them, so insurance never becomes the reason a partnership or deal stalls.
Does fintech insurance cover funds-transfer fraud and social engineering?
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Yes, when the program is built correctly. Funds-transfer fraud, social-engineering fraud, and computer crime are covered under crime / fidelity and cyber policies — but the sublimits and triggers vary widely and are easy to under-buy. We benchmark these limits against the dollar flows you actually move.
Is fintech D&O insurance hard to place?
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It can be. Fintech sits in a high-scrutiny, heavily regulated category, so D&O underwriters look closely at licensing, compliance, and funding. Access to specialty E&S, Lloyd's, and Bermuda markets — and a submission that tells the regulatory story clearly — is what gets fintech D&O quoted on competitive terms.