# Financial Services & Lenders A coverage stack built for licensed lenders, mortgage originators, MSBs, and the firms supporting them. Financial services carry regulated exposure that off-the-shelf BOP 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. Most financial-services operators we place coverage for run a stack with five moving parts: a professional-liability line, a cyber line tuned to consumer financial data, crime and employee dishonesty as required by lenders and aggregators, directors and officers for board and officer exposure, and the surety bonds their state licenses require. We assemble the bundle as a single program so renewal lines up and the deductibles work together. ## Sub-industries - **Errors & Omissions (E&O)**, Professional liability for advice, filings, and originations. - **Cyber Liability**, Breach response and regulatory tail tuned to consumer financial data. - **Employee Dishonesty & Crime**, Required by most lenders and aggregators. - **Directors & Officers (D&O)**, Board and officer exposure as the business scales.