Financial Lines Insurance
At Canopius, we understand that in today’s complex and fast-moving financial landscape, resilience is built on foresight, agility, and trust. Our Financial Lines team brings decades of underwriting expertise to deliver bespoke insurance solutions that protect the integrity and leadership of businesses across the globe.
We provide comprehensive coverage for a broad spectrum of financial and commercial institutions — from FTSE 100 companies to dynamic SMEs — ensuring protection against the evolving risks that challenge Directors, Officers, and professionals alike.

What we do
- Crime and Fidelity insurance
- Cyber insurance coverage can be an additional or blended option
- Directors & Officers liability (Public and Private, ABC/AB/Side A)
- Employment Practices Liability
- Errors & Omissions
- Fiduciary Liability / Pension Trustee Liability

Our specialists provide coverage for:
Canopius has a broad risk appetite and will consider most industry sectors, including but not limited to:
- Energy
- Financial institutions and enterprises (including banks, insurance companies, fund and asset managers, and private equity investors)
- Healthcare
- Manufacturing and retail
- Media
- Professional services
- Telecoms
- Transport
- Utilities
What sets us apart
Canopius provides a range of market-leading and tailor-made Financial insurance products and solutions to a broad spectrum of corporate entities and financial institutions.- The team consists of insurance experts with more than 75 years of experience in financial underwriting
- Utilising this experience and expertise, the team can offer insurance solutions to a range of clients from some of the largest global corporations to small and medium-sized enterprises
- We understand how important it is to develop an insurance solution that is tailor-made to suit your clients’ needs
- These solutions can be offered on a stand-alone basis or as part of a package
- Underwriters are empowered to make decisions with all Financial Lines underwriting decisions taken in one location
- We have an excellent in-house claims team
Canopius can offer limits of liability per risk in aggregate up to:
FAQs
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Customising financial and professional liability policies is a smart move. Here’s how:
- Risk assessment: identify the specific financial and professional liability risks your organisation faces.
- Coverage selection: choose the right coverage types – Directors & Officers (D&O) insurance, Civil Liability, Professional Liability, Crime, Employment Practices Liability (EPL) insurance, Cyber Liability insurance – for your organisation.
- Policy limits: set policy limits that match your organisation’s risk appetite and financial capacity.
- Deductibles: balance affordability with effective risk mitigation by determining deductibles.
- Endorsements: add policy endorsements that fit your organisation’s unique needs or industry specific risks coverage.
- Regular review: review and adjust financial and professional liability policies as your organisation grows to stay fully protected.
This customisation process ensures your policies align with your risk management strategy and can mitigate financial liability.
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During an acquisition, several types of insurance policies may be impacted, potentially requiring adjustments to align with the new ownership structure and policies. These include Directors & Officers (D&O) insurance, Civil Liability, Professional Liability, Crime, Employment Practices Liability (EPL) insurance, and Cyber Liability insurance.
Changes may be needed to these policies based on the evolving dynamics, necessitating a review of their Financial Lines insurance coverage to ensure post-transaction that the policies are aligned with the insured’s risk tolerance.
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When spinning off a subsidiary, it’s crucial to evaluate management liability coverages, including Directors & Officers (D&O) insurance, Employment Practices Liability (EPL) insurance, and Fiduciary Liability insurance.
These policies must be reviewed and adjusted to align with the subsidiary’s unique risks and responsibilities. Ensuring that these policies provide adequate protection against financial liability is essential as the subsidiary operates independently.
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Insurance, including Liability insurance, can protect you from financial loss by covering legal expenses, settlements, and damages arising from claims. For example, if your business faces a lawsuit due to an accident or professional error, Liability insurance will help cover the associated costs, thereby preventing a significant financial drain. In fact, it’s arguably an integral part of any risk-management framework.
As a result, it may help mitigate the financial impact of unforeseen events and ensure business continuity. Like this, your businesses can focus on key operations without fearing potential financial setbacks, as the financial burden will be transferred to the insurer.
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Directors & Officers (D&O) insurance is a type of Professional Liability insurance. It will cover you for the personal assets of Directors and Officers in the case they are sued for wrongful acts as company leaders. This insurance is crucial for protecting key decision-makers from financial liability, as it covers legal defence costs, settlements, and judgements.
In addition, it shields Directors and Officers from personal financial loss, promoting confident decision-making and leadership within the company. It is a fundamental component of Financial Lines insurance. It addresses the specific risks faced by a financial professional and a corporate leader, and is integral to a robust risk-management framework.
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Organisations confront a multitude of professional and financial liability risks in today’s complex business landscape. These risks include financial mismanagement, professional errors and omissions, regulatory and compliance issues, and Directors and Officers liability, among others.
Financial Lines insurance, often referred to as FINPRO insurance, plays a pivotal role in addressing and mitigating these risks and the consequences. Financial Lines insurance offers coverage for legal expenses, damages arising from claims, safeguarding organisations and their Directors and Officers from the financial fallout.
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