Insurance for Financial Institutions

Our products are specifically designed to meet the needs of financial institutions. Connect with an AmTrust-appointed agent to get a quote.

AmTrust is Your Financial Institution’s Partner for the Long Term

AmTrust provides a broad suite of insurance customizable for depository and non-depository financial institutions, including Management Liability, Bonds, Excess Liability, Property & Casualty and Workers’ Compensation products. Send submissions to:

What is Financial Institutions Insurance?

Financial institutions exist in a world of risk and uncertainty and face a number of unique exposures. Whether you require Directors and Officers Liability, Employment Practices Liability coverage, Fiduciary Liability, Professional Liability, or you need more specialized coverage to protect your business, AmTrust is a one-stop insurance solution for financial institutions.

Why Choose AmTrust for Financial Institutions Insurance

Managing the Risks of Financial Institutions

AmTrust’s Financial Institutions division understands the unique risks each financial institution faces in the current banking, regulatory and insurance environment. Our underwriters have extensive industry knowledge and will structure an insurance program to help effectively manage risk. AmTrust’s FI Advantage℠ offers comprehensive financial institutions insurance coverage that can be tailored to the specific needs of each type of organization. More than 2,000 community banks and other financial institutions nationwide rely on our insurance products and services, and we are endorsed by the American Association of Bank Directors.

Financial Institutions Insurance Coverage from AmTrust

What Should a Financial Institution Consider When Choosing Insurance?

We offer a comprehensive suite of insurance products for financial institutions, so our appointed agents have the confidence and flexibility to offer their clients the right coverage to protect them from risk.

AmTrust's FI Advantage coverage gives the management teams at financial institutions the security and assurance they need to operate in a safe and sound manner. Our FI Advantage product suite includes:

Management Liability Coverage

AmTrust offers a single-policy solution to protect the assets of directors, officers and companies against suits brought by shareholders, customers, regulators, employees and other third parties in conjunction with professional services and non-professional exposures. Under one integrated policy, we offer an expansive selection of professional liability choices with the flexibility to select only the coverage your financial institution requires.

Excess Management Liability Coverage

AmTrust offers an Excess Liability policy solution that follows form over other underlying policies. Our program is designed to meet the needs of both depository and non-depository financial institutions.

Financial Institutions Bond

The AmTrust Financial Institution Bond provides the fidelity coverage required by regulators and covers other types of fraud exposures. Our bond incorporates the SFAA’s Standard Form 24 with comprehensive coverages including computer crime, kidnap and ransom.

Credit Union Bond and Plastic Card Policy

Our Credit Union Bond incorporates essential coverages, including comprehensive Fidelity coverages. The Plastic Card Policy can be added to the Credit Union Bond. This policy includes coverage for unauthorized transactions and the capacity to add compromised card extra expense coverage.


Excess Deposit Bond

AmTrust offers a single-policy solution to protect the depositors of financial institutions in excess of FDIC/NCUA limits. With the AmTrust Excess Deposit Bond (EDB), financial institutions can attract and retain larger deposits while providing peace of mind to their key accounts and customers.

Directors and Officers Liability

Directors and officers (D&O) liability protects a financial institution’s executive board if they are named in a lawsuit. This insurance covers costs and damages that arise from wrongful allegations and lawsuits brought against members of the board of directors or an officer of the organization.

Employment Practices Liability Insurance

Employment practices liability insurance (EPLI) coverage protects financial institutions in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, leased and volunteer workers.

Workers’ Compensation

Workers' Compensation Insurance protects financial institutions by providing benefits to employees injured on the job. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

Financial Institutions Insurance Product Forms

To apply for coverage, please download and have your client complete the appropriate application. Submit to Don’t have time to fill out our application? Send us a current competitor application to get a preliminary quotation (AmTrust applications required prior to binding). Submit the applications with the required documents shown at the bottom of the application(s).

Limits of Liability

  • Separate or shared limits per coverage part available
  • Up to $10M Primary or Excess for Management and Professional Liability Coverages
  • Up to $10M for Financial Institution, Credit Union or Excess Deposit Bond

AmTrust’s Preferred Financial Institutions

We provide an array of insurance products for the following types of financial institutions, including, but not limited to:

  • Banks
  • Investment advisors
  • Title agents
  • Non-bank lenders
  • Economic development organizations
  • Credit unions