Financial Services Insurance in NYC, Westchester, and Fairfield
Specialized Coverage for Financial Firms and Advisors
At Refine Risk, we deliver tailored insurance solutions to financial professionals in New York City, Westchester County, and Fairfield County. Our clients include wealth managers, private equity firms, RIAs, and boutique financial practices that require precision, protection, and proactive risk guidance.
Who We Serve
We partner with financial services firms across the tri-state area, including:
- Wealth management firms and multi-family offices
- Registered investment advisors (RIAs)
- Private equity and venture capital groups
- Independent insurance agencies and financial consultants
- CPA firms and tax advisory businesses
- Commercial lenders and fintech platforms
Each of these firms manages complex assets and client relationships. We help protect the systems that make those relationships possible.
Key Coverages We Offer
We design protection systems that reflect the specific risks financial firms face in today’s environment. Every coverage is chosen with precision and purpose.
Errors & Omissions (E&O) Insurance
Also called professional liability insurance, this coverage defends against claims of negligence, misrepresentation, or breach of duty. It’s essential for financial advisors, RIAs, and consultants who provide investment guidance or manage client assets.
Cyber Liability and Data Protection Insurance
Financial firms manage sensitive data and digital assets. Cyber coverage helps mitigate risks from hacks, phishing, and breaches. It includes breach response, forensic investigations, legal fees, and client notification.
Directors and Officers (D&O) Liability
D&O insurance protects executives and decision-makers from claims related to mismanagement, compliance violations, or investor disputes. It’s especially vital for firms managing client funds or operating under SEC or FINRA oversight.
Fidelity Bonds and Employee Dishonesty Coverage
This protects your firm from internal theft, wire fraud, embezzlement, or misconduct. It’s often required for regulatory compliance and offers vital protection for client trust and firm solvency.
Key Person and Buy-Sell Life Insurance
We offer strategic life insurance policies that help sustain your business in the event of an executive loss. Buy-sell funding ensures smooth ownership transitions and maintains firm stability during critical moments.
Commercial Property and Business Interruption Coverage
Protects your offices, equipment, and operational income from damage or disruption. Whether you’re in Manhattan, Stamford, or Scarsdale, we tailor your coverage to your firm’s footprint.
Why Financial Firms Choose Refine Risk
We bring clarity and confidence to the risk management process.
- Strategies built for regulatory, fiduciary, and operational risk
- Local expertise in NYC, Westchester, and Fairfield’s financial communities
- Confidential, relationship-based service with a single point of contact
- Ongoing support as your firm scales or evolves
Our process is designed to support long-term trust and operational continuity.
Built for the NY Metro Area
Our advisors work with clients across key financial hubs, including:
- New York City: Manhattan, Brooklyn, and Midtown business districts
- Westchester County: White Plains, Rye, Scarsdale, and Armonk
- Fairfield County: Greenwich, Stamford, Darien, and Westport
We understand the compliance landscape, regulatory demands, and growth pressures financial professionals face here.
Our Process
Discovery. Design. Implement. Support.
Every engagement begins with a conversation. We assess your exposures, align with your goals, and build coverage systems that scale with your firm. Then we stay in touch—offering reviews, updates, and clarity when you need it most.Protect your practice with intention.
Schedule a Consultation or Contact Our Team