Bankers Blanket Bond (BBB) / Financial Institution Bond Insurance protects banks, credit unions, lenders, investment firms, and other financial institutions against financial losses arising from fraud, theft, forgery, cyber-enabled crime, employee dishonesty, and other criminal acts impacting financial operations.

Coverage is designed to support financial stability and operational continuity when institutions experience direct financial loss resulting from internal or external criminal activity.

Coverage typically responds to losses involving employee theft, fraudulent funds transfer, forgery, counterfeit instruments, computer fraud, social engineering, robbery, burglary, or theft of money, securities, or client assets.

Coverage may also include protection for:

• Employee dishonesty and internal fraud exposures

• Forgery, alteration, and counterfeit instrument losses

• Computer fraud and cyber-enabled financial crime

• Theft of client property, securities, and financial assets

• Legal and investigative expenses associated with covered loss events

• Coverage supporting banking, lending, investment, insurance, and financial service operations

For organizations operating across multiple jurisdictions, coverage may be coordinated through a Controlled Master Program (CMP), such as the WMB Global Risks Global Master Program, with locally admitted policies where required to support coordinated crime protection and regulatory compliance across jurisdictions.

Bankers Blanket Bond / Financial Institution Bond Insurance is designed to help organizations manage financial crime exposures, protect assets and client trust, and strengthen resilience against evolving fraud and operational risks.

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