RIAs, wealth managers, financial planners, mortgage brokers and family offices.
RIA professional liability (investment advisor E&O) covers allegations of negligent advice, fiduciary breach and suitability claims — the dominant claim type for advisors. We bind it on dedicated investment-advisor forms, not a generic professional liability that under-responds.
Funds-transfer fraud and social engineering is now the most common cyber loss in financial services. Most package cyber sub-limits it. We bind cyber and crime with explicit funds-transfer cover sized to the dollars actually moving through your firm.
For RIAs and advisors holding SSNs, account numbers and tax records, cyber needs breach response, regulatory defence (FINRA/SEC), notification cost and third-party liability for client data exposed. We size limits to AUM and number of client records, not a sticker.
That's the E&S market. New RIAs, advisors with prior claims, fintech-adjacent advisors and firms with unusual specialities all get pushed out of admitted markets. We work with the surplus-lines markets that price advisor risk on actual exposure.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Dedicated RIA professional liability covering fiduciary breach, suitability and negligence claims — sized to AUM and the type of advice you deliver.
Learn about this coverBreach response, ransomware, regulatory defence (FINRA/SEC) and the funds-transfer fraud cover that responds when client money is redirected.
Learn about this coverPersonal liability for principals, partners and board members — including regulatory action and shareholder claims as the firm grows.
Learn about this coverEmployment-practices cover and statutory comp for advisor, paraplanner and back-office staff — designed for how the firm actually staffs.
Learn about this coverWe work with the carriers and MGAs that build dedicated investment-advisor products — not generic miscellaneous-professional rates that don't reflect advisor risk.
FINRA, SEC, state-level RIA registration and BD-affiliated nuances all change what cover you need. We bind to the regulatory environment you actually operate in.
Breach cost scales with records and dollars, not staff. We size cyber limits to your AUM and client base — not a tier set by employee count.
A few details about what you do, your size and any contract or licensing requirements you're working against.
We compare carriers that price your kind of business well, and bring back real options side by side.
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
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Tell us about your firm and your regulatory posture. We'll shop RIA-specific markets and bind to the exact E&O, cyber and D&O coverage your registration and clients require.