Coverage Guidelines

Financial Institutions Insurance

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Coverage Guidelines

AmTrust’s Financial Institutions division understands the unique risks each financial institution faces in the current banking, regulatory and insurance environments. Our underwriters have extensive industry knowledge and will help structure an insurance program that will help your clients effectively manage their risks. AmTrust’s FI Advantage products offer comprehensive insurance coverage that can be tailored to the specific needs of each risk.

Availability

Available in all states except AK, HI, NY, and VT

Coverage Summaries

Title Agents Advantage
RIA Advantage
Banking Professionals Claims Examples
Civil Money Penalties (CMP) Personal Protection Coverage
Claims Examples for Other Financial Institutions
Directors and Officers Liability Coverage
EFT Guard Coverage
Employment Practices Liability Coverage
EPL Loss Prevention – Who to Contact
Excess Deposit Bond
Fiduciary Liability Coverage
FI Advantage Coverage
FI Advantage Business Auto Expansion Endorsement
FI Advantage Liability Endorsement
FI Advantage Property Endorsement
FI NSPL Breach Response Vendor List
FI NSPL Value Added Services – Who to Contact
Financial Institution Bond
Management Professional Liability
Network Security & Privacy Liability
Professional Liability Coverage
Property and Casualty Program

Financial Institutions Overview

Download Financial Institutions Overview PDF

Limits

Coverage	Limit
Directors & Officers	$10,000,000
Lender Liability Trust Services Liability	$10,000,000 $10,000,000
Fiduciary Liability	$5,000,000
EPLI Wage & Hour (FLSA)	$10,000,000 $500,000
Network Security & Privacy Liability	$5,000,000
Business Interruption Crisis Mitigation Expense Financial Institution Bond EFT Guard (per acct. holder) Civil Money Penalties (per D&O) Excess Deposit Bond	$5,000,000 $1,000,000 $10,000,000 $1,000,000 $250,000 $10,000,000

Size of Institution

Banks – Institutions <$5B in assets with <250 employees
Other FI – Revenues > $50,000 (with exception for start-up operations)

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