# Insurance for Financial Services & Lenders Insurance for lenders, mortgage originators, and MSBs: E&O, cyber, crime, and D&O assembled around regulated financial-services exposure. ## Insurance for financial services and lenders Financial services carry regulated exposure that off-the-shelf coverage will not solve: regulatory inquiries, fiduciary duty, fraud loss, and the data-security obligations that come with consumer financial information. We assemble programs around those exposures rather than selling a single policy. ## The coverage stack we build The lines we most often assemble for financial firms. Each is placed only where your operations and your regulators require it. ## Common claim scenarios Representative situations these lines respond to. Illustrative, not a guarantee of coverage. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Do lenders really require crime coverage? Often yes. Lenders and aggregators frequently require crime or employee-dishonesty coverage of the firms they work with, because it protects the funds the business handles. ### Is one policy enough? Rarely. Financial firms usually need several lines: E&O, cyber, and crime at a minimum, because each responds to a different exposure. We assemble them into one program. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time. --- ## How to cite this page Cite as: "Insurance for Financial Services & Lenders." Covered by Cornerstone. https://coveredbycornerstone.com/services/industries-financial-services Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.