Securities & Investment Insurance

Why Is Investment Insurance Important?

As a financial professional, broker or advisor, you and your team handle sensitive information on a regular basis. This means your business faces unique risks, in addition to common ones that most small businesses deal with every day. Business insurance can help protect your investment company. This type of insurance is also known as:

Investment insurance
Investment manager insurance
Investment advisor insurance

Who Needs Investment Advisor Insurance?

Investment managers
Investment advisors
Investment firms
Venture capital firms

What Types of Insurance Do Investment Advisors and Managers Need?

Many investment advisors and managers have a Business Owner’s Policy (BOP). With three essential coverages that many small businesses need, it helps protect businesses from everyday risks that can come up during normal operations. A BOP includes:

General liability insurance to help cover claims that your investment company caused bodily injury or property damage to someone’s belongings.

Commercial property insurance, which helps protect the owned or rented building and equipment you use to operate. This can include:

Computers
Furniture
Documents
Software
Tablets
Phones

Business income insurance to help replace your company’s lost income if you can’t operate because of covered property damage.

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Covering Your Investing Operations

Different risks and challenges can have a significant impact on your business’ operations. And if you can’t operate, it can put your business’ finances in jeopardy.

In 2021, small businesses had nearly the same amount of data breach incidents as large businesses.¹

Computer Virus

“One of our employees opened an email from a client, clicked on the link inside, then entered their password to login. Turns out it was a phishing attack and the hacker ended up stealing client information.”

Data breach insurance, also known as cyber liability insurance, can help cover your costs to respond to a breach if personally identifiable information gets lost or stolen. It can help pay to notify impacted individuals or offer credit monitoring services.

Missing Money

“When we arrived at work, we realized someone broke into our building the night before and hacked our safe, stealing the customer money we were holding.”

Money and securities insurance can help cover lost or stolen money and securities. This coverage applies to money or securities lost at the business or bank or in transit between these locations.

Taking Care of Your Investment Team

We know that keeping your employees safe and healthy is a top priority as a business owner. Work-related injuries or illnesses don’t just impact your business but can also put your employees out of work until they recover. Investment insurance can help your employees heal and return to work faster.

About 1.8 million workers report musculoskeletal disorders (MSDs) each year.²

Carpal Tunnel Syndrome

“One of my employees noticed a pain in her wrist that got worse over time. She was eventually diagnosed with carpal tunnel syndrome and needed therapy.”

Workers’ compensation insurance can give your employees benefits if they get hurt or sick from their job. These benefits can help cover their medical care and replace most of their lost wages if they can’t work.

Car Accident

“I was on my way to the bank to deposit a business check when I lost control of my car and crashed into someone’s fence.”

Commercial auto insurance protects you and your employees on the road. This coverage can help pay for property damage and injuries that occur when company-owned vehicles that are used for business are involved in accidents.

Covering Your Investment Property

Chances are, you rely on computers and equipment to run your investment business. These kinds of tools are essential to staying successful and getting your daily tasks done. Investment insurance coverage can help repair or replace your investment business’ property if it gets damaged.

Small business owners spend an average of $40,000 to start their business.³

Corrupted Data

“A computer virus damaged and corrupted some of our business files. We couldn’t work on our client’s portfolios until we fixed the issue.”

Electronic data coverage can help replace or restore files that get destroyed, corrupted or inaccessible from a virus or other covered loss.

Fraudulent Transfer

“One of my employees got an email from a consultant we hired asking for payment. We wired the money to the provided account and ended up finding out the request was fraudulent.”

Fraudulent transfer coverage applies to money, securities or other property transferred electronically, telegraphically or through cable or telephone.

Investment Insurance Designed for Your Business

We know how hard you work to run your investment business and serve your clients. That’s why we offer investment insurance coverage created to help protect your business. And because we know every business is unique, we make it easy for you to create a customized policy that meets your company’s unique needs.

Find out more about other financial service professions we insure:

What types of insurance do investment advisors and managers need?

Investment Insurance to Help Protect Your Business

Get the protection you need with an investment insurance company that has your back.

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For Larger Firms

Larger securities & investment firms typically require specialized insurance coverage.

Learn About Business Needs

¹ Verizon, “2021 Data Breach Investigations Report”

² Occupational Safety and Health Administration, “Ergonomics: An Overview”

³ Shopify, “The Cost of Being the Boss: What Business Owners Spend in Their First Year”