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Fintech Challenger and Disruptor Insurance

Breaking the mould of traditional insurance

Up to five policies in one

Marsh’s fintech challenger and disrupter insurance (CADI) is a new insurance product, crafted to meet the unique challenges faced by fintech companies around the world. Distinct from the traditional insurance products designed for banks and professional services firms, CADI provides an array of fintech specific features to suit the evolving needs of your organisation.

CADI can help offer broad protection against:

  • Internal and external fraud, including social engineering.
  • Civil liability arising from the provision of professional and financial services, meaning that you do not need to purchase two separate professional indemnity policies.
  • Specific cover to address regulatory requirements such as payment services directive two (PSD2).
  • Cryptocurrency crime, covering digital assets in hot wallets and cold storage.
  • Directors and officers liability, whether your company can or cannot indemnify a director or officer.

CADI may reduce the need to purchase multiple policies and allows you to tailor coverage for your exposure, driving cost savings.

Our experienced team work with many challenger and disrupter fintechs, and can therefore benchmark your programme to ensure it is competitive.

Who is CADI for?

Regulated financial institutions and fintech companies in any jurisdiction who have outgrown their current insurance programmes and need to consider new solutions for the risks they are facing.


Payment processors


Digital credit companies

Quote aggregators



Buy now pay later providers

Challenger banks

E-Wallet providers

Digital banks

Digital wealth management


Download your guide on Marsh’s FinTech Challenger and disrupter insurance (CADI)

Our people

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Richard Garside

Head of Financial and Professional Services, Pacific

Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. LCPA 23/487

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983) (“Marsh”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226827) which is a related entity of Marsh. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from JLT Risk Solutions on request. Full information can be found in the JLT Risk Solutions Financial Services Guide.”