Fintech Insurance
When your fntech outgrows one-size-fits-all insurance brokers
What Sets Us Apart
URM Fintech Practice
Our leadership didn’t just work in the industry - we built the financial institutions and fintech practices at some of the largest brokerages in the world. We’ve advised venture-backed startups, specialty lenders, and digital banks long before the market had a name for them.
What we witnessed then and now - a systemic failure to treat fintech risk with the depth and precision it demands.
URM was created to solve that.
We apply legacy brokerage perfection, decades of technical underwriting knowledge, policy drafting, and carrier negotiation to a platform built for the speed and complexity of modern fintech.
We don’t place off-the-shelf insurance. We design defense strategies.
Fintech Specialization
Specializing in fintech isn’t enough - each subcategory carries distinct risks that require precise structuring. We’ve built the programs, written the policies, and helped define how fintech is underwritten in the insurance industry.
Payments
InsurTech
WealthTech
BaaS
Crypto | Web3
Tax
RegTech | Compliance
Infrastructure | CoreTech
FinTech E&O
Tech E&O doesn’t operate in isolation - claims often span service delivery, data handling, and regulatory scrutiny, requiring coordination across E&O, Cyber, and even D&O when the issue reaches the executive level.

Fintech E&O is typically required by contracts financial institutions and other vendors. A specialist, and preferably an attorney, should review and place coverage.
Requirements
Fintech E&O is a complicated coverage because an error will impact the institution you have contracted with and their clients.
Complicated Nature
When your tech causes a problem, a resulting claim involves a tech failure, a financial error, and data security?
Cyber | E&O Overlap
Specialized carriers and brokers understand how to harmonize language and structure E&O/Cyber to respond cohesively - not in fragments.
Specialization
Fintech D&O
D&O doesn’t exist in a vacuum - regulatory investigations often trigger overlapping liability across D&O and E&O, especially when the enforcement relates to both product performance and executive oversight.

Fintechs operate in a legal gray zone - often regulated like financial institutions, with less protections and precedent. D&O is essential as regulators shift focus to individual accountability and enforcement actions.
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CFPB, SEC, DOJ, state AGs, and banking regulators are increasingly naming executives personally in investigations.
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D&O coverage ensures legal defense and indemnification when indemnity from the company is unavailable or restricted.
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Side A protection is critical in bankruptcy, board disputes, or if indemnification is withheld.
Regulatory Risk
Venture-backed fintechs face increasing pressure from investors, strategic board members, and auditors to formalize governance. That brings risk and exposure.
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Capital raises, down rounds, and exits all create shareholder liability.
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Governance decisions around data privacy, lending criteria, or compliance failures often trigger personal claims.
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Litigation involving past officers, co-founders, or early investors can leave gaps in protection without extended reporting and proper tail coverage.
Capital Raises
D&O doesn’t exist in a vacuum - regulatory investigations often trigger overlapping liability across D&O and E&O, especially when the enforcement relates to both product performance and executive oversight.
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URM coordinates D&O and E&O language to avoid gaps and ensure clarity on:
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Which policy responds first
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How regulatory subpoenas or demands are handled
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Avoiding conflicting definitions of “claim,” “loss,” or “wrongful act”
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Coordination
D&O for fintechs is not plug-and-play. The policy must be restructured to fit:
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Your regulatory footprint (e.g., lending licenses, banking partnerships, embedded finance)
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Your investor profile and board makeup
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The types of enforcement actions your company is realistically exposed to.
Specialization
Fintechs Metrics
18+ Months
Length of a Regulatory Claim
Regulatory claims are some of the most expensive and unpredictable losses for Fintehcs.
$2,000/hr
Regulatory Partner Attorney
The cost of regulatory attorneys is dramatic, and often not covered by off the shelf policies.
26%
Average Savings
Fintech Clients have overpaid by 26% on average. Fintechs need a specialist to get value pricing.
100%
Enhanced Coverage
We have improved coverage for every Fintech client we brought on as a bew client.