Institutional Insurance
Financial Institution Bonds
Our Financial Institution Bonds are written to assure your bank meets regulatory guidelines based on
your asset size. We also keep your bank in line with your peer group average limits and make sure all
endorsements and riders address your actual exposure.
Directors and Officers Liability
The Directors and Officers Liability Insurance policy is a critical component of the bank’s insurance
portfolio and lawsuits against this policy are increasing. Terms of coverage are complicated and vary
from one insurer to another. Increased regulatory focus and recent legislation must be addressed when
structure your coverage and appropriate limits are very important.
We build your D&O coverage based on a number of factors: your peer group average limits; your bank’s
asset size; ownership basis; market focus, and existence of non-traditional banking activities, such as
insurance agencies or investment subsidiaries. We also include the appropriate Entity and
Professional Liability endorsements to conform with your bank's exposure. Since D&O policies are not
regulated, we generally offer renewal options to add or increase coverage to keep abreast of the comfort
level of your board of directors and senior bank management.
Commercial Property
Banks are a unique risk for commercial property insurance and your policy should be written on a “bank-
specific” form. There are several components included in the bank specific policy that do not exist or are
specifically excluded in the policies issued by insurance carriers that do not specialize in insuring
banks.
Equipment Maintenance Insurance
Reduce maintenance costs by 10-20% and save time and energy in managing your fixed assets. Use
your preferred
vendors or even your own employees for maintenance and repairs while still experiencing guaranteed
savings. This
program eliminates the potential for additional costs to arise during the fiscal year. Any and all
electronic equipment
that plugs into the wall is eligible.
EMI Brochure
Financial Institution Bonds
Our Financial Institution Bonds are written to assure your bank meets regulatory guidelines based on
your asset size. We also keep your bank in line with your peer group average limits and make sure all
endorsements and riders address your actual exposure.
Directors and Officers Liability
The Directors and Officers Liability Insurance policy is a critical component of the bank’s insurance
portfolio and lawsuits against this policy are increasing. Terms of coverage are complicated and vary
from one insurer to another. Increased regulatory focus and recent legislation must be addressed when
structure your coverage and appropriate limits are very important.
We build your D&O coverage based on a number of factors: your peer group average limits; your bank’s
asset size; ownership basis; market focus, and existence of non-traditional banking activities, such as
insurance agencies or investment subsidiaries. We also include the appropriate Entity and
Professional Liability endorsements to conform with your bank's exposure. Since D&O policies are not
regulated, we generally offer renewal options to add or increase coverage to keep abreast of the comfort
level of your board of directors and senior bank management.
Commercial Property
Banks are a unique risk for commercial property insurance and your policy should be written on a “bank-
specific” form. There are several components included in the bank specific policy that do not exist or are
specifically excluded in the policies issued by insurance carriers that do not specialize in insuring
banks.
Equipment Maintenance Insurance
Reduce maintenance costs by 10-20% and save time and energy in managing your fixed assets. Use
your preferred
vendors or even your own employees for maintenance and repairs while still experiencing guaranteed
savings. This
program eliminates the potential for additional costs to arise during the fiscal year. Any and all
electronic equipment
that plugs into the wall is eligible.
EMI Brochure
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