Bankruptcy trustees are prime targets for email‑compromise and wire‑fraud scams that drain estate accounts — and a fidelity bond or E&O policy often won't respond. Fiduciary cyber protection closes that gap. We'll review your current coverage and show you exactly where you're exposed.
Trustee Insurance Agency is now part of Intac Advisory — same team, same focus on trustees.
A bankruptcy trustee sits on exactly what a cyber criminal wants — estate funds moving by wire and a file full of sensitive debtor information. That makes the fiduciary, not just the estate, the target.
Distributions, settlements, and vendor payments go out by wire. One spoofed email with new "banking instructions" can reroute estate money to a criminal in minutes.
Social Security numbers, account details, and financial records live in your files. A breach triggers notification duties, liability, and real cost — even on a small estate.
Deadlines, a small team, and high transaction volume are exactly the conditions social engineers exploit. The attack usually looks like a routine request.
It's a fair assumption that your bond or E&O has you covered for a cyber loss. In practice, the policy language often says otherwise — and you find out at claim time.
"Fiduciary cyber protection" isn't one product — it's making sure the pieces below are actually in place, so a loss is covered instead of absorbed by you or the estate. Exact terms depend on the policy we build for you.
The core exposure: coverage when your office is deceived into sending estate funds to a fraudulent account.
Notification, credit monitoring, legal defense, and liability when debtor data is exposed.
Response to a system lockout — extortion handling, recovery, and the experts to manage it.
Lost time and the cost of restoring systems and data after an incident.
Defense and covered costs tied to a covered privacy or security event.
Access to specialists the moment something goes wrong — the difference between a scare and a loss.
No sales pressure. We read the actual policy language so you know where you stand — and what it would take to close the gap.
Your current fidelity bond, E&O, and any cyber policy. That's all we need to start.
We check for funds-transfer, social-engineering, and breach gaps — line by line, against how trustees actually get hit.
Exactly where you're exposed, and your options to fix it. No cost, no obligation.
Usually not. A fidelity bond is built to cover dishonest acts by your own employees — not a situation where your office is deceived by an outsider into authorizing a legitimate-looking wire. That social-engineering loss commonly falls outside the bond, which is why a dedicated cyber policy (with the right funds-transfer and social-engineering endorsements) matters.
Yes — arguably more so. Criminals target the workflow, not the size of the firm. A lean office moving estate funds under deadline pressure is exactly the setup these scams are designed to exploit, and a smaller operation often has fewer internal checks to catch a fraudulent request.
Nothing. Send us your current bond, E&O, and any cyber policy and we'll review the language and show you where the gaps are. There's no cost and no obligation to move your coverage.
Yes. We work with Chapter 7, Subchapter V, and Chapter 11 trustees. The fiduciary cyber exposure is similar across appointments — anywhere you're moving estate funds and holding debtor data.
We're an independent agency — we answer to you, not to one carrier. For trustees that means coverage built around how you actually get hit, reviewed by a person who reads the policy language.
We shop multiple markets and bring you the options that fit — not whatever one carrier happens to be selling.
Professional liability, fidelity bonds, and cyber for Chapter 7, Subchapter V, and Chapter 11 trustees.
Your policies are read by a person, not a portal. You get a plain-English answer you can act on.
The review is free. If your current coverage already holds up, we'll tell you straight.
Send us your current coverage and we'll show you exactly where a wire-fraud or breach loss would land — and how to close the gap.
Coverage varies by policy, carrier, and endorsement. This page is general information about insurance concepts and is not a statement of coverage, legal advice, or a guarantee that any particular loss will be covered. We'll review your specific policies and confirm terms in writing.