Munich Re, Howden, Accredited and Instnt Present Margin Protection Through Identity Fraud Insurance

Industry leaders will examine capital efficiency, growth opportunities and carrier backed claims for financial institutions in upcoming webinar

NEW YORK--(BUSINESS WIRE)--Instnt, the world’s first identity fraud loss insurance solution, is teaming up with its industry partners to host a live webinar, “Protecting Margins: Identity Fraud Panel Discussion,” on November 13, 2025, at noon ET. Click here to reserve a spot.

Margins in the financial sector are increasingly strained as identity fraud continues to surge, driving unpredictable losses and reducing profits. Fraud losses are becoming more frequent, and their effect on the bottom line is severe, costing businesses billions each year, especially with first-party, third-party, and synthetic identity fraud.

Instnt’s identity fraud insurance solution addresses this growing problem by pairing real-time AI with insurance capacity from A-rated insurance carriers, including Accredited and Munich Re, enabling financial institutions to insure against fraud loss at the point of customer onboarding. This approach enables banks to approve more customers faster, reduce false declines and transfer fraud loss off their balance sheets, thereby improving margins, strengthening trust and unlocking new opportunities for growth and innovation without increasing risk exposure.

During the webinar, Instnt’s CEO, Sunil Madhu, will be joined by Carol Tyrell, EVP and Chief Underwriting Officer - Casualty with Accredited America; Ted Pine, Senior Business Development Manager with Munich Re’s Insure AI team; and Nick Kelly, Head of Casualty Fac at Howden Re. Attendees of the webinar will learn:

• How financial institutions can quantify ROI by comparing a fixed premium to historic covered onboarding identity-fraud losses and volatility, including the cost of capital.
• Make losses predictable by shifting covered onboarding losses to a budgeted premium line item, with reimbursement in about 30 days after an approved claim.
• Obtain carrier-specific details on underwriting, limits and retention, required documentation, and claim payment timing.

“Fraud loss is now a common occurrence," says Madhu. “To mitigate its impact on their bottom line, financial institutions need to consider fraud loss insurance within the bigger picture of their fraud risk strategy. It’s no longer a matter of if, but rather when. With fraud loss insurance, the financial impact shifts to the insurance sector, opening an opportunity for growth and innovation by leveraging tier 1 capital reserves.”

About Instnt

Instnt is a venture-backed insurance technology business headquartered in New York. Instnt's AI mitigates fraud risks for businesses and transfers residual losses to the insurance market through a unique partnership with global A-rated insurers, saving businesses millions in operational and treasury costs. Instnt was founded by its CEO, Sunil Madhu, a serial entrepreneur, founder and former CEO of $5B fraud identity leader Socure. For more information, visit https://instnt.ai.