Financial Lines protects businesses and their people against claims arising from professional advice, management decisions and financial loss rather than physical damage. It is a fast-moving, litigious area where wordings and limits need to keep pace with regulation, and where London Market capacity and expertise are highly valued. We place financial lines risks into Lloyd’s and the London Market on behalf of retail brokers and MGAs, with a focus on professional indemnity, directors’ & officers’ liability and commercial crime.
Our appetite is broad across professional and financial services, technology, and a wide range of trades and professions, subject to underwriting. We build submissions that give underwriters a clear picture of the risk and structure programmes — primary and excess — that respond to how the exposure actually sits.
What Financial Lines covers
Professional Indemnity (PI)
Cover for the legal liability of professionals and businesses arising from negligent advice, errors or omissions in the services they provide — including defence costs.
Directors’ & Officers’ (D&O)
Protection for directors, officers and the company against claims alleging wrongful acts in the management of the business, including regulatory investigations and defence costs.
Commercial Crime
Cover for financial loss from employee dishonesty, theft, fraud, social engineering and third-party crime, tailored to the organisation’s exposures.
Financial Institutions
Specialist PI, D&O and crime solutions for banks, funds, asset managers and other regulated financial businesses, placed into the London Market.
Management Liability
Combined D&O, employment practices and crime packages for SMEs and mid-market companies, arranged to give broad protection under one programme.
Excess & Primary Layers
Structuring financial lines programmes across primary and excess layers, accessing additional London capacity where domestic markets fall short.
Who it’s for
Professional firms, financial institutions, technology companies, and the directors and officers of businesses of all sizes — placed through their retail broker or MGA. We work closely with brokers who need London Market capacity for hard-to-place professions, higher limits, or excess layers above a domestic primary.
Why place Financial Lines through Bissell & Partners
As a wholesale broker with direct access to Lloyd’s and the London Market, we bring financial lines risks to underwriters who specialise in professional and management liability. We help brokers place difficult professions, build excess towers, and respond to claims-made exposures with wordings that hold up. Every placement is subject to underwriting.
Talk to us about a financial lines risk
Send us the profession or business, the limits required and any claims history, and we’ll tell you quickly whether and how we can help.