Financial Institutions
EPIC’s Financial Institutions team provides specialized management, professional, and cyber liability solutions for the full spectrum of financial services organizations. From banks and broker-dealers to investment managers, insurance companies, and complex risk situations, we bring deep familiarity with the regulatory frameworks, compliance obligations, and governance expectations that shape how these institutions operate and where they’re exposed. Our approach is strategic and consultative — built around continuous monitoring of emerging risks, shifts in coverage, and the evolving legal and regulatory landscape, applied specifically to each client’s business.
Our Approach
Our process integrates three critical service components: expert risk analysis tailored to each client’s regulatory environment, strategic placement that positions our clients competitively in the market, and dedicated claims and coverage advocacy that begins well before a claim is made. Working alongside our analytics group, we use data to quantify exposure and structure programs aligned to actual risk, resulting in better-informed decisions, stronger contract terms, and more efficient program spend.
Who We Serve
- Banks, Mortgage Banks, and Finance Companies
- Investment Banks, M&A Advisors, and Broker-Dealers
- Asset Managers, Mutual Funds, 40 Act Funds, and ETFs
- Real Estate Investment Managers, Asset Managers, and Property Managers
- Insurance Companies, ILS Funds, and Risk Retention Groups
- Complex Risks, Bankruptcies, and Solvency Situations
Solutions and Capabilities
Each program is structured around the institution’s specific regulatory, operational, and governance profile.
- Investment Management Liability
- Directors’ & Officers’ Liability
- Errors & Omissions
- Crime and Fidelity Bonds, inclusive of FINRA, ICBB, and ERISA 412
- Employment Practices Liability
- Fiduciary Liability
- Cyber Liability
- Transactional Risk, including Representations & Warranties, Tax Liability, and Contingent Liability
Institutional Planning & Life Capital Solutions
Financial institutions use specialized life insurance strategies to manage capital, fund benefits, and optimize balance sheets. Our capabilities include Bank-Owned Life Insurance (BOLI), Insurance Company-Owned Life Insurance (ICOLI), executive benefits, and related advisory services.
