Financial Institutions

Vibe’s underwriters are recognised and vastly experienced leaders in the fields of Financial Institutions and Directors’ and Officers’ Liability.

We can offer a broad spectrum of products to clients, and partner with Lloyd’s brokers in finding bespoke solutions within our areas of practise. We lead more than 50% of our book of business and will consider primary or excess of loss business.

We offer various Crime products for financial and non-financial institutions worldwide. These include Bankers’ Blanket Bonds, commercial crime policies, mortgage fraud products, plastic card solutions and title company bonds. We have a plethora of experience in understanding our clients’ needs.

The maximum capacity we can deploy for Crime business is GBP 5,000,000/EUR 7,500,000/USD 10,000,000/CAD 7,500,000/AUD 10,000,000.

Professional Indemnity
We write PI for financial institutions worldwide (excluding USA domiciled). This can be as part of a package with other coverages or standalone. Target clients range from Trust Companies and Corporate Service Providers to banks and asset managers.

The maximum capacity we can deploy for PI business is GBP 5,000,000/EUR 7,500,000/USD 7,500,000/CAD 7,500,000/AUD 10,000,000.

Directors’ and Officers’ Liability
We write D&O for commercial and financial institutions worldwide (excluding USA domiciled). We have tailored policies for various companies from small not for profits to listed public entities. Our experience means that we understand the complex world of Management Liability and have products to cover our clients’ needs. Within our product suite we offer employment practices liability, fiduciary cover, statutory liability and loss of document cover.

The maximum capacity we can deploy for D&O business is GBP 10,000,000/EUR 15,000,000/USD 15,000,000/CAD 15,000,000/AUD 10,000,000.


The fundamental bedrock of any underwriting team is its claims handling. Vibe prides itself on its efficient and fair claims service, expedited through many years of handling such cases in the FI and non-FI arenas.

Our team

Hugh Sprowson

Head of Financial Institutions

+44 (0)20 3096 4056

Austin Wren

Class Underwriter - Financial Institutions

+44 (0)20 3096 4060

Rebecca Love

Class Underwriter – D&O

+44 (0)20 3096 4046

Laura Spooner

Senior Underwriting Assistant

+44 (0)20 3096 4069

Mark Warren

Claims Controller

+44 (0)20 3096 4155

Scroll to Top