Fraud loss insurance takes three kinds of partner
The brokers who place it, the rated carriers who hold the risk, and the platforms that embed it where accounts are actually opened. Each one has a different reason to be here.
Who to talk to
- Broker or agency — get the broker kit: field guide and Producer Agreement.
- Carrier or reinsurer — get the carrier field guide, then the loss-ratio model and portfolio data.
- Platform or BaaS — get the platform field guide, then the integration spec and revenue terms.
Coverage is arranged by Instnt Insurance Agency and is contingent on underwriting and approval.
Insurance brokers
You already place cyber and crime for financial institutions. This is the exposure those policies exclude.
A line your book doesn’t have yet
Identity fraud loss sits outside cyber, crime and E&O. For financial-institution clients it is an uncovered, growing exposure you can now quote.
Paid on every renewal
Commission on collected premium, on new business and again on each renewal you retain. Premiums scale with onboarding volume, so accounts grow with your client.
Submission support
We handle the fraud-loss analysis, the exposure model and the carrier conversation. You own the relationship.
What you get
- Broker field guide: what the cover does, who buys it, how to pitch it and how you get paid (17 slides)
- The Instnt Producer Agreement, with the commission schedule
- A signable .docx of the agreement
One registration unlocks every partner kit. Coverage is contingent on underwriting and approval.
Get the broker partner kit
Welcome back. We'll email the broker partner kit to the address you gave us.
Tell us where to send the broker partner kit.
Reinsurance carriers
A new, measurable line — priced by a model that compresses loss ratio rather than guessing at it.
Rated capacity
Coverage is reinsured by Munich Re and Swiss Re, each rated A+ (Superior) by AM Best — the balance sheet behind every policy is rated, not a captive or an MGA promise.
Actuarially validated model
Loss-ratio compression is measured per account, in real time, and explainable to an underwriter and to an examiner.
Evidence-backed claims
Covered losses reimbursed within 30 days of filing, subject to policy terms, with the evidence trail captured at onboarding rather than reconstructed later.
What you get
- Carrier field guide: the class, the program structure, account-level underwriting and claims (13 slides)
- Underwriter questions, answered
- How to request the data room, the loss-ratio model and terms
One registration unlocks every partner kit. Coverage is contingent on underwriting and approval.
Get the carrier field guide
Welcome back. We'll email the carrier partner kit to the address you gave us.
Tell us where to send the carrier partner kit.
Platforms & BaaS
Embed insured fraud loss in the product your clients already onboard through.
Embedded fraud loss insurance
BaaS providers, loan origination and processing platforms, and onboarding vendors can offer insured fraud loss as a native feature of their own product.
One integration, every tenant
A single integration at the platform layer covers your whole client base — no per-institution engineering, no upstream dependency.
Revenue share
Coverage is priced per account. Platforms participate in the premium on the volume they originate.
What you get
- Platform field guide: what your clients get, how it embeds, how deals flow (13 slides)
- Where cover sits in a BaaS, LOS or onboarding stack
- How to request the integration spec and platform partner terms
One registration unlocks every partner kit. Coverage is contingent on underwriting and approval.
Get the platform field guide
Welcome back. We'll email the platform partner kit to the address you gave us.
Tell us where to send the platform partner kit.
Bring fraud loss insurance to your clients
Tell us which channel you’re in and we’ll send the right kit.