--- title: "Insurance Buying Guide for Fintech Businesses" description: "A practical guide to mapping your financial product, partner contracts, data, and money flows to specific insurance quote questions." canonical: "https://spot.insure/industries/fintech" page-type: "industry-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/fintech) # Insurance Buying Guide for Fintech Businesses [Industries](https://spot.insure/industries) Before requesting quotes, map the services you provide, whose money and data you can access, who makes product decisions, and what a bank or customer contract asks you to assume. Ask the insurer to map those activities and duties to named policy wording, exclusions, and limits. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html), [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) ## Explore Fintech Verticals - [Asset Management](https://spot.insure/industries/asset-management): Match your advisory work, fund structure, asset controls, and vendors to insurance quote questions. - [Banking and Exchange](https://spot.insure/industries/banking-and-exchange): A practical guide to separating customer-asset duties, market operations, technology services, and bond questions before requesting quotes. - [Consumer Finance](https://spot.insure/industries/consumer-finance): A guide for consumer lenders, account servicers, and finance platforms to prepare insurance questions about services, data, fraud, and partner contracts. - [Credit and Lending](https://spot.insure/industries/credit-and-lending): A practical guide to quote questions for lenders and servicing platforms as their products, borrowers, data, and partner roles change. - [Insurance and Insurtech](https://spot.insure/industries/insurance): A practical guide to insurance quote questions for software vendors, agencies, program administrators, and companies with delegated insurance functions. - [Payments](https://spot.insure/industries/payments): A practical guide to insurance quote questions for processors, wallets, payment infrastructure, and businesses that move funds. ## Which Insurance Should You Consider? Consider general liability, technology errors and omissions (E&O), cyber liability, crime, directors and officers, and workers’ compensation. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [General liability](https://spot.insure/coverage/general-liability) **When it matters:** You host partner meetings, demonstrations, or customer events, or sell a physical device alongside software. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **What to review:** Commercial general liability addresses premises, products, and completed-operations bodily-injury or property-damage scenarios. Keep service errors, employee claims, data incidents, and funds movement as separate quote questions. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **Ask:** Which premises, operations, products, and completed work are described, and what bodily-injury or property-damage exclusions and limits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ### [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) **When it matters:** A customer or financial institution relies on your software, integrations, calculations, routing, or service delivery. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) **What to review:** A technology errors and omissions label is only a starting point; compare the specific software service, alleged financial loss, and financial-services exclusions in the wording. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) **Ask:** Which named services, entities, alleged financial injury, financial-services exclusions, and defense-cost terms appear in the actual wording? [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ### [Cyber liability](https://spot.insure/coverage/cyber) **When it matters:** Your product handles customer or partner data, depends on connected systems, or could lose income during an incident. [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) **What to review:** NAIC describes cyber policies as highly customized and says most commercial property and general-liability policies do not cover cyber risks. Compare the actual incident, restoration, interruption, and third-party claim terms. [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) **Ask:** Does the quote address your production and partner systems, breach response, restoration, interruption, and third-party claims? What sublimits, waiting periods, and exclusions apply? [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) ### [Crime](https://spot.insure/coverage/crime) **When it matters:** Employees or systems can initiate transfers, change payment instructions, or access funds or securities. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **What to review:** Crime is a distinct property category, and the causes and property insured depend on what is purchased. Keep employee theft, client funds, social engineering, and payment transfers as separate scenarios to review. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **Ask:** Whose property is insured, and which people, instructions, transfer methods, discovery terms, direct-loss conditions, and exclusions apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ### [Directors and officers](https://spot.insure/coverage/directors-officers) **When it matters:** A board, outside investor, or financing counterparty asks about management protection, or ownership and governance change. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) **What to review:** A board, investor, or contract request is a prompt to compare the entities, people, claim definitions, defense costs, and financial-services exclusions in the proposed wording. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) **Ask:** Which entities and people are insured, what claims and defense costs are addressed, and which financial-services or regulatory exclusions apply? [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ### [Workers’ compensation](https://spot.insure/coverage/workers-compensation) **When it matters:** You hire employees or add workers in states where the company has not previously operated. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Answers to Frequently Asked Questions for Employers](https://www.dir.ca.gov/DWC/faqs.html) **What to review:** List each work location and role before asking about workers compensation. California has its own employer rule and eligibility details; other states need their own current review. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Answers to Frequently Asked Questions for Employers](https://www.dir.ca.gov/DWC/faqs.html) **Ask:** Which employee work locations, duties, classifications, and employers-liability terms are shown, and what state-specific review remains? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Answers to Frequently Asked Questions for Employers](https://www.dir.ca.gov/DWC/faqs.html) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## Describe the Product the Insurer Is Being Asked to Cover Prepare a short operations map for each legal entity: software-only services, lending or servicing, money movement, custody or authority over assets, data access, and any work performed for a bank or insurer. FTC examples show why activity and regulator scope can matter; a fintech label alone does not resolve which definitions apply. [FTC Safeguards Rule: What Your Business Needs to Know](https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know) Use your bank contract to identify duties to disclose to the insurer and any requested coverage terms. The bank guidance describes banks’ third-party risk process; it does not set vendor insurance limits. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) ## Separate the Loss Scenarios Before Comparing Quotes Write separate examples for a software or service error, a security incident, an interrupted system, a disputed transfer, a premises injury, and an employee claim. CGL has defined bodily-injury and property-damage areas; professional, cyber, crime, and employment forms are distinct categories. Do not assume one label answers another scenario. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business Insurance](https://content.naic.org/consumer/small-business.htm), [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) For each quote, ask the broker to show the relevant policy wording, exclusions, conditions, limits, sublimits, waiting periods, and named entities. If a counterparty requests a policy change, ask the broker whether the insurer will issue the required wording and review it before agreeing. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Refresh the Application When the Business Changes Update the application when you add a product, hold or transmit funds, take on a new bank partner, change a vendor, expand to another state, or hire a team. The point is to make the insurer’s description match the activities and contracts you actually have. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html), [FTC Safeguards Rule: What Your Business Needs to Know](https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know) In California, DWC says employers with one or more employees must meet the state workers compensation requirement and points to the statutory employee definition, with separate owner and officer details. Check other states separately. [Answers to Frequently Asked Questions for Employers](https://www.dir.ca.gov/DWC/faqs.html) ## Providers to Compare by Coverage These providers document the coverage listed below. Examples are alphabetical, not a ranking or confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### General liability #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [General Liability Insurance](https://joinalliancerisk.com/general-liability-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [General Liability](https://ameliarisk.com/insurance-policies/general-liability/) · [Our Specialties](https://ameliarisk.com/specialties/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy) ### Technology errors and omissions (E&O) #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/) · [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/) #### [At-Bay](https://spot.insure/insurance-providers/at-bay) **Spot Score** Broker Spot Score: 5.2 / 10 (15% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) Carrier & MGA Spot Score: 7.1 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) **Review Score** 9.5 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/at-bay/reviews) [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/) · [Licenses](https://www.at-bay.com/licenses/) ### Cyber liability #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Cyber Liability Insurance: Costs, Limits & What You'll Pay](https://joinalliancerisk.com/cyber-liability-insurance/) · [Alliance Products](https://joinalliancerisk.com/coverages/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Cyber Liability](https://ameliarisk.com/insurance-policies/cyber-liability/) · [Insurance For Startups](https://ameliarisk.com/specialties/startups/) #### [At-Bay](https://spot.insure/insurance-providers/at-bay) **Spot Score** Broker Spot Score: 5.2 / 10 (15% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) Carrier & MGA Spot Score: 7.1 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) **Review Score** 9.5 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/at-bay/reviews) [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/) · [Licenses](https://www.at-bay.com/licenses/) ### Crime #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Crime Insurance](https://joinalliancerisk.com/crime-insurance/) · [Alliance Products](https://joinalliancerisk.com/coverages/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Insurance For Startups](https://ameliarisk.com/specialties/startups/) · [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime) ### Directors and officers #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Directors & Officers Insurance (D&O)](https://joinalliancerisk.com/directors-officers-insurance-do/) · [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Directors and Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/) · [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [D&O - Private Companies](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/) · [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary) ### Workers’ compensation #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Workers’ Compensation Insurance](https://joinalliancerisk.com/workers-compensation-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Workers Compensation](https://ameliarisk.com/insurance-policies/workers-compensation/) · [Insurance Policies](https://ameliarisk.com/insurance-policies/) #### [Chubb](https://spot.insure/insurance-providers/chubb) **Spot Score** Carrier & MGA Spot Score: 6.4 / 10 (40% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/chubb/reliability) **Review Score** 6.9 / 10 (5 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/chubb/reviews) [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html) · [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Spot Scores Work](https://spot.insure/spot-rating). ## Common Questions ### Does calling a company fintech mean it has to buy a particular policy? No. A fintech label does not determine a purchase. Check which rules apply to the company’s activity and jurisdiction, then review any separate condition in a signed bank or customer contract. [FTC Safeguards Rule: What Your Business Needs to Know](https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know), [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) [Read the full answer](https://spot.insure/industries/fintech/does-fintech-status-require-insurance) ### What should a fintech send a broker before requesting quotes? Send an operating map and the contracts that define your work, data handling, money movement, and partner obligations. [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html), [FTC Safeguards Rule: What Your Business Needs to Know](https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know) [Read the full answer](https://spot.insure/industries/fintech/what-to-send-fintech-insurance-broker) ## Sources and Further Reading - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. General liability, what it does not cover, and other business insurance types; accessed 2026-09-28. General explanations of CGL and other small-business lines; not financial-services wording or a policy form. - [Insurance Topics | Cybersecurity](https://content.naic.org/insurance-topics/cybersecurity) — National Association of Insurance Commissioners. Cyber risks and cyber insurance; page background last updated May 9, 2024; accessed 2026-09-28. General cyber customization and common property/CGL limitation context; not a fintech response opinion. - [Agencies Issue Final Guidance on Third-Party Risk Management](https://occ.treas.gov/news-issuances/news-releases/2023/nr-ia-2023-53.html) — Office of the Comptroller of the Currency, Federal Reserve Board, and Federal Deposit Insurance Corporation. Joint release, bank third-party relationship lifecycle and fintech examples; accessed 2026-09-28. Bank-side third-party relationship guidance that can help founders identify partner contract and diligence questions; it does not set vendor insurance requirements. - [FTC Safeguards Rule: What Your Business Needs to Know](https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know) — Federal Trade Commission. Who must comply and what is a financial institution; accessed 2026-09-28. FTC activity- and jurisdiction-scoped examples that can help founders describe data and service roles to counsel and an insurer. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Form 700, revised June 14, 2024; commercial property and covered causes, crime, commercial general liability, time element, workers compensation, and rating sections; accessed 2026-09-28. California commercial guide for general liability, crime, workers compensation, business interruption, and quote-review examples; California rules stay California-specific. - [Answers to Frequently Asked Questions for Employers](https://www.dir.ca.gov/DWC/faqs.html) — California Department of Industrial Relations, Division of Workers’ Compensation. Who must purchase workers compensation; California rule and owner/officer qualifications; accessed 2026-09-28. California employer workers compensation requirement and owner/officer eligibility discussion; not a rule for other states. This guide is general insurance buying education, not legal advice or a coverage opinion. Ask a licensed broker and insurer to review the actual policy wording against your operations and contracts. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/fintech.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)