Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for ATM operators, independent deployers, and cash handling businesses. We know the carriers that understand the unique risks of cash machines—and won't drop you after your first claim.
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+1 (626) 778-2586The reality
ATMs hold thousands in cash—sometimes tens of thousands. That makes you a constant target for robbery, burglary, and even sophisticated smash-and-grab crews. Standard property policies won't cover cash in machines. You need specialized crime coverage that actually pays when the worst happens.
Card skimmers, data breaches, and compromised machines create massive liability exposure. When customers get their accounts drained, they come after the ATM operator. You need cyber liability coverage that covers breach response, customer notification, and fraud losses—before a single incident destroys your business.
Equipment failures, power surges, vandalism—every hour your machines are down is money lost. Property managers and retailers lose patience fast when their ATM isn't generating revenue. Business interruption coverage keeps you whole while you get machines back online.
"We've placed ATM operators from single-machine independents to multi-state networks. We know which carriers specialize in cash handling risks—and which ones will actually pay claims."
From single machines to regional networks, we've got your ATM business protected.
Covers bodily injury and property damage claims at ATM locations
Protects against mechanical failure, electrical surge, and hardware malfunction
Protects cash in machines, in transit, and during replenishment operations
Covers losses from robbery, burglary, vandalism, and employee dishonesty
Compensates for lost income when machines are out of service
Covers data breaches, card skimming liability, and network security incidents
Specialized coverage for every type of ATM operation
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
ATM insurance is a commercial insurance program built around the risks of a atm business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Crime & Theft, Equipment Breakdown, Cash Coverage. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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