The typical stack
- Tech E&O and cyber at higher limits
- Crime and fidelity with real social engineering limits
- D&O (investor and regulatory exposure)
- EPLI
- Regulatory defence where the forms provide it
What triggers the purchase
- Bank partner and sponsor bank diligence
- Money transmission and state licensing
- Enterprise and platform customer contracts
What your customers require
Bank partners and enterprise customers set limits, check paper quality and ratings, and ask about crime and cyber in detail. Paper quality advice matters more here than almost anywhere else.
Programmes that write this segment
Management liability suite (MGA programme). Access via our wholesale partners.
Cyber MGA with Tech E&O and management lines. Access via our wholesale partners.
Specialty carrier, affirmative AI wording. Access via our wholesale partners.
Lloyd's MGA, affirmative AI wording across lines. Access via our wholesale partners.
Not sure where you fit? Take the coverage quiz and we will map the stack from your answers.
Frequently asked questions
Why is crime cover so important for fintech?
Because the realistic loss is a fraudulent transfer, not a broken server. Social engineering sublimits and verification conditions decide whether the policy pays, so we negotiate them deliberately.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.