Trusted by high-growth FinTechs
MoneyBox_Logo_navy
cleo_navy
carmoola (2)
comply-advantage-square_navy
Clove
volt
Banked
2024-scale-up-logos__Flock_navy

Protecting FinTechs at Every Stage

FinTech businesses operate at the cutting edge of financial innovation, where rapid growth meets complex risk and regulation. For venture-backed firms, particularly those authorised under PSD2 as AISPs and PISPs, maintaining appropriate insurance is both a regulatory requirement and an important part of building credibility and meeting stakeholder expectations.

As the landscape evolves, so too do the threats, from operational exposures to emerging cyber and financial risks. Specialist advice ensures your protection keeps pace with both your business ambitions and regulatory obligations.

London city skyline featuring modern office buildings and the Gherkin

Cover built for the complexity of FinTechs

 
FinTech businesses operate in a high‑risk, highly regulated environment where exposure typically spans regulatory action, financial crime, cyber incidents, technology failure and personal liability for directors. We specialise in this space, delivering the core insurance solutions most FinTechs rely on, including Crime, Directors & Officers, Professional Indemnity and Cyber. Structured specifically for fast‑scaling, regulated businesses, our cover is designed to keep pace with both innovation and regulatory expectations.
Close‑up of a tablet showing stock charts, price movements and financial data dashboards
Colorful Illustrated Online Business and E-Commerce Blog Banner

Benchmark your cover today

Download our benchmarking document to see how your risks and policy limits compare across the industry.

Meet our FinTech experts

Max Willis

Head of FinTech

Max brings a wealth of knowledge and expertise in the scale-up ecosystem, with over 6 years of experience supporting FinTechs with their insurance requirements. His deep understanding of these industries allows him to offer tailored risk management solutions that meet the unique needs of high-growth businesses.

LinkedIn logo

 

James Ewen

Broking Head of FinTech

James is the Head of Broking within the FinTech and VC team at Capsule. He brings over 5 years of commercial broking experience, and a further 7 years of underwriting experience with him to help manage the day to day running of the growing FinTech and VC team here at Capsule. 

LinkedIn logo

 

Jack Scott-Bowden

Technical Head of FinTech

Jack is Technical Head of FinTech, with 7+ years’ experience advising global financial institutions and high‑growth, venture‑backed FinTechs. He works with scale‑ups through to post‑IPO companies, structuring PI, Cyber, D&O, Crime and IP programmes to meet regulatory and investor expectations.

 

LinkedIn logo

 

Charlie Gladding

FinTech Lead

As Capsule’s FinTech Lead, Charlie brings 3+ years of experience guiding fast‑growing FinTechs through their evolving risk and insurance needs. He works closely with scale‑ups to ensure their cover supports fundraising, regulatory expectations, and ambitious growth plans.

 

LinkedIn logo

 

More than just insurance...

Helping FinTech teams tap into the community, knowledge and support they need:
Recertified (36)

Events 

Get first access to Capsule's FinTech focused events and networking

Recertified (33)

Partners

A network of partners, who understand the scale-up journey 

Recertified (34)

Content 

Guides, new resources and blogs on the stuff that matters when you're growing fast 

Common FAQs 

FinTechs have questions standard insurance brokers can't always answer. Here are the ones we get asked most. 
 

What is FinTech insurance?

FinTech insurance provides specialised coverage designed specifically for financial technology companies. These businesses face unique risks, from cyber threats to regulatory challenges and operational disruptions, that traditional insurance policies may not fully address.

General insurance often isn’t built with the complexities of FinTech in mind. Specialised cover helps ensure that FinTech companies are protected against the specific exposures they face, offering more appropriate, effective, and reliable protection.

What types of insurance do FinTechs usually have?

Most FinTechs benefit from a combination of Professional Indemnity (PI), Directors’ & Officers’ (D&O), Cyber Liability, Crime, and Regulatory Investigation Cover may also be relevant.

Whats the difference between a Financial Institution (FI) policy and a FinTech policy?

FinTech businesses have a unique combination of exposures that don’t fit the typical financial institution (FI). These risks include the ever-evolving regulatory environment, technology failure, cybercrime, breach of contract cover and many more.

Do we need FinTech insurance if we're not directly regulated?

Even if you don't perform regulated activities yourself, claims often flow through you when customers view you as one entity. FinTech policies allow insurers to settle claims on your behalf and then recover from third-party providers who are actually at fault. 

What's included in your PSD2 policy?

Our PSD2 policy is designed for Payment Institutions and EMIs applying for FCA authorisation. It typically includes cover for:

  • Claims arising from payment processing errors
  • Failure to execute, or incorrect execution of, transactions
  • Operational failures or technical outages
  • Data breaches or security incidents
  • Misuse or loss of client funds
  • Third-party claims for financial loss

It meets the FCA’s requirements for PSD2-compliant Professional Indemnity & Liability cover.

Should we get insurance before or after FCA approval?

The FCA typically expects you to hold Professional Indemnity and Cyber Liability insurance. During the regulatory process, they often ask for proof of quotes to demonstrate you've sourced appropriate coverage. 

The latest FinTech insights

At our recent ZOPA Uncorked dinner, hosted with HSBC Innovation Banking and Cooper Parry, a group…

We’re officially halfway through 2025, and while the funding taps haven’t fully reopened, there’s a…

If you are responsible for insurance within your scaling FinTech business or concerned that your…

Book a meeting

Speak to our team to review if 
your current cover is keeping pace with your FinTech’s growth.