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- Captive Insurance
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- Cyber Insurance
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- Employee Benefits Solutions
- Employee Benefits Administration and Technology
- Employee Benefits Compliance Support
- Data Analytics Solutions - HR and Finance Leaders
- Population Health and Well-Being Services
- Pharmacy Benefits
- Voluntary Employee Benefits and Lifestyle Benefits
- Medicare for Employers and Employees
- Non-Medical Benefits and Absence Management Solutions
- Employer Stop Loss
- Multinational Liability Insurance
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- Surety Bonds
- Trade Credit Risk Solutions
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Insurance and Risk Management Solutions for Financial Institutions
With decades of professional consulting and brokerage experience, the Brown & Brown Financial Services team helps financial institutions manage evolving risks. Using advanced analytics, we deliver personalized insurance and risk management solutions for banks, hedge funds, Fintech companies, and other financial institutions.
Comprehensive Insurance Solutions for Financial Institutions
Brown & Brown provides competitive, industry-focused products designed to meet the specialized needs of:
- Consumer Financial Services: Collection agencies, non-traditional lenders, and consumer finance companies
- Banks and Non-Bank Lenders: Community banks, mortgage brokers, leasing firms, and asset-based lenders
- Insurance Companies
- Asset Managers: Registered investment advisors, mutual funds, hedge funds, and private equity firms
- Fintech Firms
- Other Non-Traditional Financial Firms
Frequently Asked Questions
D&O Insurance, also known as Directors and Officers Insurance, helps protect company executives, including directors and officers, from personal financial loss if they are sued for alleged wrongful acts while managing the organization. Policies may also include coverage for the company’s own liability exposures, such as securities claims for public entities.
The core purpose of D&O Insurance is to help provide financial protection for a company’s managers and board members against the consequences of actual or alleged “wrongful acts”, including actual/alleged errors, omissions, misstatements or breaches of duty, when acting in their insured capacities.
Fiduciary Liability Insurance helps protect organizations and individual fiduciaries from claims of mismanagement related to corporate pensions, savings, profit-sharing or health and welfare plans. Coverage helps safeguard the personal assets of trustees and plan administrators.
Claims alleging negligent administrative errors, such as handling plan paperwork or records, are typically covered under Fiduciary Liability policies.
Crime policies often include Coverage Insuring Agreements, covering direct loss of money, securities or property sustained by a customer due to theft or forgery by company employees acting alone.
The average cost to defend and settle an EPL claim is around $160,000 nationally and often double that in more litigious states such as California.
Nearly 59% of all securities fraud settlements are linked to event-driven litigation, including #MeToo, COVID-19, opioid-related, and similar high-profile cases.
SPAC-related class action filings increased sixfold from 2020 to 2021, with 32 cases filed that year. U.S. SPAC mergers doubled during this period, raising a combined $95 billion, and introducing new risks from mismanagement, misrepresentation and disclosure violations.
Some D&O policies can include limited cyber attack coverage. Although markets are tightening, adding cyber endorsements remains valuable for mitigating digital risk exposures.
- Cyber attacks
- Data loss
- Regulatory risk
- Employment claims
Additional Resources
2025 Financial Institutions Market Survey
Executive Summary Brown & Brown is excited to publish our annual Financial Institutions Market Report, which is dedicated to surveying the state of the financial lines and cyber markets for financial institutions. Our survey focuses on three ...
From Collapse to Clarity | What Tricolor and First Brands Teach Us About Credit Insurance
While European banks have long integrated credit insurance into their credit risk and capital optimization strategies, U.S. banks have historically underutilized it. Several structural and regulatory reasons explain this divergence. First, European ...
Intellectual Property Risk for Financial Institutions
As the digital transformation in the banking industry continues to accelerate, with many transitioning to online business models and the provisioning of technology services to customers, there will likely be a growing issue of intellectual property ...
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.Explore Other Financial Services Insurance Solutions
Connect with Brown & Brown
Learn how Brown & Brown can help your financial institution protect its executives, manage regulatory risk, and strengthen its insurance programs.