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Centered Partners | Banking & Financial Institutions
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Built by Former Bank Leaders & Owners

Your Insurance Broker Never
Sat in the Board Room

Our team includes former bank CEOs, shareholders, lenders, and regional leadership from institutions ranging from community banks to global banking organizations. We’ve sat where you sit — making decisions about risk, capital, and growth. Now we’re using that experience to deliver insurance and advisory that actually fits how banks operate.

See If You Qualify → Why This Is Different
Former
Bank CEOs & Shareholders
Decades
In Banking & Lending
Global to
Community Bank Experience
Full Scope
P&C • Benefits • BOLI • REO
You Already Know This

Most Brokers Don’t Understand Bank-Specific Risk

Your institution faces a regulatory and liability environment that’s fundamentally different from commercial businesses. Your broker should understand D&O exposure, BOLI optimization, REO liability, and the difference between a community bank and a regional one. Most don’t.

💰
Generic P&C for a Regulated Industry
You’re buying a commercial property and casualty program designed for general businesses. Bank-specific exposures — vault, cash-in-transit, regulatory liability — deserve bank-specific coverage.
⚠️
D&O and Fiduciary Gaps
Directors’ & Officers’ liability in banking carries unique regulatory exposure. If your D&O policy doesn’t address FDIC, OCC, and state regulator claims specifically, you may have gaps.
💻
Cyber Risk Outpacing Coverage
Wire fraud, account takeover, ransomware, GLBA compliance — the cyber threat landscape for financial institutions evolves quarterly. Your policy should evolve with it.
📈
BOLI Left on the Table
Bank-Owned Life Insurance is a balance sheet asset that most brokers don’t optimize. The right BOLI strategy can meaningfully improve your institution’s capital position.
What We Bring

Insurance & Advisory from People Who’ve Led Banks

This isn’t a commercial insurance program with a financial institution endorsement. It’s a comprehensive offering — P&C, benefits, BOLI, REO, and deal flow advisory — built by people who’ve served as bank CEOs, board members, lenders, and shareholders.

🛡
Bank-Specific P&C Coverage
Financial Institution Bond, D&O with regulatory defense, cyber liability, property with vault and cash-in-transit — every policy designed specifically for how banks operate and what regulators expect.
💰
BOLI Optimization
We analyze your existing BOLI portfolio and identify opportunities to enhance your balance sheet, fund benefit obligations, and maximize the tax-advantaged earnings that BOLI provides.
♻
Employee Benefits & Executive Comp
Group health, life, ancillary benefits, plus executive compensation and deferred comp structures that help you attract and retain talent in a competitive banking market.
🎯
REO & Real Estate Risk
Foreclosed and bank-owned property creates unique liability exposure. We structure coverage for your REO portfolio and the environmental, liability, and property risks that come with it.
📊
Deal Flow for Commercial Lenders
Our network generates commercial real estate and C&I lending opportunities. We can connect your institution with quality deal flow — relationships that start with insurance and grow into banking partnerships.
🤝
Former Bank Leadership on Your Side
Our team includes former bank CEOs, board members, and senior lenders. We speak your language, understand your regulatory environment, and know what keeps bank executives up at night.
Scope

Every Exposure Point. One Team.

From the vault to the board room, from the loan portfolio to the branch network — we’ve mapped the full risk profile for financial institutions and built a program to address all of it.

✓
Financial Institution Bond (Fidelity)
✓
Directors & Officers Liability
✓
Cyber Liability & Data Breach
✓
Property & Business Interruption
✓
Bank-Owned Life Insurance (BOLI)
✓
Employee Benefits & Group Health
✓
Employment Practices Liability
✓
Fiduciary Liability
✓
REO / Foreclosed Property
✓
Workers’ Compensation
✓
Umbrella / Excess Liability
✓
Commercial Auto
Who’s Behind This

Former Bank Leaders. Insurance Architects. One Team.

This program was designed by a team that includes former bank CEOs, shareholders, and senior lenders — with experience spanning global banking institutions and local community banks. We’ve led institutions through growth, regulatory exams, and strategic planning. We don’t just insure banks. We’ve run them.

Meet the Team →
The Process

Discreet. Direct. No Obligation.

Share Your Basics
Fill out the form below with your institution’s key information. No detailed applications, no obligation. Just enough for us to understand your situation.
Confidential Review
Our team — people who’ve actually led banks — will review your information and identify where your current coverage and strategy may have gaps or opportunities.
Custom Assessment
We’ll walk you through a tailored analysis of your institution’s specific exposures, coverage gaps, and BOLI opportunities — in language bankers speak.
Your Decision
No pressure. You’ll have a clear comparison and the information your board needs to make the best decision for the institution.
Confidential
Let’s Review Your Program
Share some basics about your institution and we’ll show you what a program designed by former bank leaders looks like for an institution like yours.
  • No detailed applications, no obligation
  • Confidential — your information stays between us
  • Response within 48 hours
  • Designed for community, regional banks & credit unions
  • Built by former bank CEOs, lenders & board members
Tell Us About Your Institution
Your Information

About Your Institution

Areas of Interest

Loss & Claims History
Has your institution experienced any significant losses or insurance claims in the last 5 years? *
Claims don’t disqualify you. Please share a few details below so we can understand your situation. Full documentation is not needed at this stage.

Confidential inquiry. No obligation. No spam. We’ll respond within 48 hours.
Centered Partners
Banking & financial institution insurance by people who’ve led banks.
info@centeredpartners.com  |  centeredpartners.com

© 2026 Centered Partners. All rights reserved. Confidential.
✓
We’ve Received Your Information
Thank you. A member of our team — someone who’s actually led and operated banks — will review your details and be in touch within 48 hours with a custom assessment for your institution.
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Centered Insurance Partners
Integrated Advisory
Business Insurance
Employee Benefits
Personal Insurance
Our Process (C3)
The New Standard
BOLI/COLI
HVAC Program
Banking & Financial Services
Sanitation & Site Services
Elevator Program
Jewelry Program
Car Dealerships
Capital Markets
Commercial Real Estate
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Team
Own what you build
Open Positions
Blog
Advisory Blind Spot
Private Credit
DOC whitepaper
Sale-Leaseback
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