Financial Institutions

As a bank or depository institution, you know better than most the importance of protecting the bottom line. But if your risk management program doesn’t keep pace with emerging exposures posed by advancements in technology, federal regulations and new business ventures, you may not have adequate protections in place—protections beyond insurance coverage.

At Higginbotham, we take a consultative approach to addressing your risks. We know what exposures to look for because we have more than 35 years of experience delivering customized insurance and risk management solutions to diverse financial institutions, including:

  • Community banks
  • Large public and private regional banks
  • Credit unions
  • Mortgage bankers
  • Investment firms
  • Insurance agencies and companies


Common Financial Institution Coverages

  • Directors and Officers (D&O)
  • Bankers Professional Liability
  • Financial Institution Bonds
  • Computer Theft
  • Identify Theft
  • Crime
  • Securities Liability
  • Trust Errors & Omissions
  • Privacy Liability
  • Internet Banking Liability
  • Mortgage Protection
  • Property & Casualty Policies
  • Other Real Estate & Forced Placed Property & General Liability
  • Kidnap & Ransom
  • Mail Policy


Risk Management

Our financial institution risk consultants learn how you run your business with a thorough operational risk review. Then we compare your operations against the insurance coverage you have in place to identify gaps in your protection.

But the protections we put in place include more than just insurance coverage. As you diversify your services to expand your customer base, your exposure to lawsuits also expands. We audit your policies and procedures and then help you implement an enterprise risk management program that reduces your exposures to lawsuits and regulatory penalties.