BancInsure was created by bankers and continues to include banker input in product development. BancInsure is endorsed by the WBA and more than 20 other state bankers associations and financial institution trade groups.

An important feature of BancInsure's Financial Institution Bond is that it contains no annual aggregate limit. Coverage is available for a broad array of exposures, including Computer Crime, Trading Loss, Safe Depository Legal Liability, Fraudulent Real Property Mortgages, Unattended ATMs, Claims Expense, Transit Cash Letter Reconstruction, Check Kiting, and Stop Payment Legal Liability.

BancInsure also writes a separate Blanket Extortion (Kidnap & Ransom) policy with coverage for cyber-extortion.

A traditional D&O policy provides coverage for claims brought against your directors and officers. BancInsure's D&O policy offers several endorsements designed to also provide entity coverage for the bank itself, including Lender Liability, Employment Practices Liability, Trust Department Errors & Omissions, and coverage for Mutual Funds, Annuities and Insurance Sales. The optional Bankers E&O rider extends the D&O policy to cover the financial institution and its employees for any wrongful act not excluded under the policy.

BancInsure's property/casualty package was designed especially for banks and incorporates a number of coverage extensions such as fine arts, personal property of others, valuable papers, accounts receivable, property in transit and extra expense. Electronic data processing coverage (including breakdown) is included, as is coverage for back-up of sewers and drains.

The Umbrella program provides excess liability protection over underlying, primary insurance coverage or the self-insured retention. Workers' Compensation coverage is also available.