FinTech Insurance

Compare FinTech insurance quotes from the leading providers

 FinTech Company Insurance

Why fintech insurance?

Fintech can encompass a broad range of products, applications, processes, and business models that have transformed the traditional financial services sector. Fintech touches almost every aspect of the financial world, from banking, personal finance, commercial lending, embedded insurance to wealth management. This can include leveraging big data analytics, artificial intelligence, blockchain, and the Internet of Things, to streamline and enhance insurance processes, customer experiences, and provide new product offerings.

Fintech insurance provides the necessary covers to protect companies which provide financial technology to their clients. The company which arranges the cover can either be FCA regulated or non-regulated. 


Compare insurance for financial services and financial technology 

We work with the leading FinTech insurance company markets to identify covers such as, professional indemnity (E&O), directors and officers, cyber insurance, crime insurance, and office insurance. The fintech industry is rapidly evolving, with startups and established financial institutions alike continuously exploring new technologies and business models. It is recommended to work with an insurance broker, which has the access and knowledge to negotiate  the most competitive insurance program on your behalf.

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What is FinTech insurance?

FinTech insurance is a selection of covers that offer financial protection against unexpected events, purchased by businesses that use technology to support or enable financial services. Typically, the covers purchased will include professional indemnity, cyber coverage, directors and officers, crime insurance, and office insurance. Additional covers may include keyperson cover and business travel.


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About FinTech insurance for financial institutions

The purchase of FinTech insurance is best utilised to cover high severity and low frequency events. B2C FinTech models can make obtaining professional indemnity cover challenging for innovative business models, unless the insurer has sufficient claims experience within the financial sector you operate. 


 Professional liability insurance

Professional indemnity

Otherwise known as professional liability, or E&O insurance, the policy cover can offer protection for against claims for negligence.

 Cyber crime

Cyber crime

Helps offer financial protection from a criminal or fraudulent taking, obtaining or appropriation of money, securities or property.

 Directors and officers insurance

D&O insurance

Provides protection for individuals against civil, criminal and regulatory proceedings, commonly requested by PE and VC investors.

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Talk to a specialist insurance broker about your specific needs to ensure tailored cover against your business risks

What types of business insurance are commonly sought by FinTech companies?

The most important Fintech business insurance will depend upon the nature of your services you provide to your clients. We would recommend you take a holistic approach because it’s the combination of covers which provides the best protection. Below we've produced a guide about the different types of coverage most companies commonly purchase.

Directors & Officers

D&O Insurance provides financial protection to the senior individuals whilst acting in a managerial capacity. Shareholders may request the cover is purchased as a prerequisite to a funding round.

Cyber and Data

Cyber insurance protection offer cover for both 1st party expenses you would incur, and 3rd party liabilities due to a breach of security or privacy. FinTech's may potentially hold a significant amount of personally identifiable information.

Intellectual Property

Intellectual Property insurance provides cover against the legal costs from pursuing infringement or theft of Intellectual property against others or the legal defence costs for your business if accused of IP infringement or theft.

Commercial Crime

Commercial crime insurance can provide protection from financial losses related to business-related crime, including theft by employees, forgery, robbery, and electronic crime.

Key Person Insurance

Key Person insurance can be arranged to offer protection against major financial harm incurred due to a significant employee passing away or becoming ill.

Importance of FinTech D&O insurance

In a rapidly changing environment, regulations are constantly evolving. Failure to comply with regulations can have serious consequences for both the FinTech and the individuals involved with the business. 

Directors and officers insurance is a key protection purchased by the company for the senior individuals making decisions, as individuals can be held personally liable from claims arising from a variety of sources, including shareholders, regulators, creditors, and employees.

Without a trading history and the stability offered by a stable cash flow, makes identifying startup FinTech D&O difficult. Evidence of a business plan, complete proposal form and cash flow forecast will be required to secure the cover.

Specialising in InsurTech, Payment Gateways, and RegTech

We work with a wide range of FinTechs operating in specific niches of the financial services market. Over the years we have developed a specialism in insurtechs, payment gateways / processors and regtech. The driving force behind arranging policy cover will typically be risk mitigation, contractual requirements, or regulatory requirements.



Otherwise known as insurance technology, combines the use of technology and data with offering a service within the insurance sector.

 Payment Services

Payment Services

Payment gateways or services will process high volumes of sensitive data that could be stolen and used for fraudulent purposes.



Otherwise known as regulation technology, combines the use of technology and compliance / regulation to create efficiencies.

Arrange a call with one of our specialist FinTech brokers to discuss your business needs

We can access a wide range of insurers and Lloyds of London syndicates

We can also accommodate the following FinTech insurance requirements

Digital banking

Trading Platforms

Blockchain and Crypto

Investment Managers

Private Equity Firms

Regulated Lenders