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Who insures it · 3 named markets · read 2026-10-28

Who insures Fintech?

Fintech is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write Fintech: CFC, Vouch, Relm Insurance. 2 MGAs, 1 E&S carrier.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
CFC
MGA		Fully blended fintech policy (financial and tech E&O, D&O, crime, cyber with incident response, regulatory investigation costs; optional EPL, GL and property) for digital banking/BaaS, investment platforms, payment services, digital lending, trading platforms and money-transfer services; worldwide cover.
“Purpose built policy for the ever-changing fintech industry and those companies operating in it.”		not statednot statedcfc.com · read 2026-10-28
Vouch
MGA		Cyber, crime, tech E&O, D&O, Side A and liability for fintech companies, with specialty E&O endorsements for investment advice, lending or insurance-agent activities and access to higher limits through its carrier network; 'Not all products available in all states.'
“Vouch can access higher limits through its carrier network for fintech companies”		not statednot statedvouch.us · read 2026-10-28
Relm Insurance
E&S carrier		Fintech insurance (and an insurtech industry solution) from a Bermuda Monetary Authority-regulated specialty carrier dealing only through licensed brokers.
“Relm offers fintech insurance made to mitigate financial impact from these risks”		not statednot statedrelminsurance.com · read 2026-10-28

Vouch calls itself a broker on its fintech page but states 'Vouch is underwriting' on its crypto page (insurance services by Vouch Specialty Insurance Services, LLC), so it is listed as an MGA. Berkley Financial Specialists, Chubb financial institutions, Beazley and Embroker pages name no fintech class. Hiscox, Coalition, At-Bay, Markel, Travelers, Hartford and AXIS were not reached. The shared WebSearch budget was exhausted this turn, so candidates came from the assigned list and were verified by direct WebFetch only; several domain safety checks were rate-limited and retried once.

How Fintech gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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A few minutes to request the quote; it reaches the markets that take Fintech, and the answers come back by email.

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