All Insights
Case studies, policy deep-dives, and industry trends for community banks and credit unions.
What Your Fidelity Bond Won't Pay
Community banks assume the bond covers fraud. It does, with conditions most banks have never read. Here's where...
Read article →Fast Money, Slow Trust
The parametric insurance market is exceeding $20 billion but the conversation about basis risk, trigger design, and coordination...
Read article →The Counterparty Question: AI-Native Insurance Carriers
AI-native insurance carriers raise $260M and quote policies in minutes. But when a community bank needs to file...
Read article →Premiums Down, Claims Up
US cyber insurance premiums fell 7% while claims rose nearly 40%. For community banks at renewal, a lower...
Read article →What Happens When Your Security Warranty Fails
A community bank passes its IT audit, satisfies the examiner, and still has a cyber claim denied. The...
Read article →Five Incidents, Three Policies, and the Gaps Between Them
Most community banks carry cyber, fidelity bond, and D&O policies from different carriers. Here is how those policies...
Read article →The Board Nobody Insures
A data breach hits a community bank. The D&O policy excludes cyber claims. The cyber policy excludes shareholder...
Read article →The Wire Nobody Covers
A community bank wires $400,000 based on a fraudulent email. The cyber policy does not cover it. The...
Read article →When AI Clones Your CFO's Voice
AI voice cloning just broke callback verification. Most social engineering coverage was written for email scams. A deepfake...
Read article →What Your Bank Examiner Expects From Your Cyber Insurance
Bank examiners are asking harder questions about cyber coverage. Having a policy is not enough. Here is what...
Read article →Cyber Insurance for Community Banks
Most community banks have a cyber policy. Few understand what it actually covers. Here is what to check...
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