ATM Operator Insurance Coverage Checklist
The coverages an atm operator business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for independent ATM operators and ISOs. Priorities reflect typical exposure for this class; confirm against your actual machines, cash, and locations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| ATM Cash & Machine Coverage (Inland Marine) | Covers machines and the cash inside against theft, burglary, and smash-and-grab. | Core | |
| Crime / Employee Theft | Covers cash stolen by employees or contractors who load machines. | Core | |
| Money & Securities (In Transit) | Covers cash carried to and from machines. | Core | |
| General Liability | Covers injuries and damage at ATM locations. | Core | |
| Computer Fraud / Jackpotting | Covers cash dispensed by malware or tampering — often excluded from theft coverage. | Prevalent | |
| Cyber / Privacy Liability | Covers skimming and card data claims. | Prevalent | |
| Workers' Compensation / Employer's Liability | Covers technicians and loaders, including robbery injuries. | Core | |
| Commercial Auto | Covers service vehicles carrying machines and cash. | Prevalent | |
| Fidelity Bond | Required by some processors and sponsor banks. | Situational | |
| Contractual Liability | Confirms indemnities in merchant and processor contracts are covered. | Situational |
The coverage gap most often missed
The gap most often missed by ATM operators is jackpotting. Standard theft and burglary coverage may not respond when malware or a black box makes the machine hand out cash with no break-in — about 70 Texas ATMs lost roughly $236,000 in four days, and the owners took the loss. Smash-and-grab thefts are the other big exposure. Confirm your policy covers computer fraud at the ATM, replace factory locks, and bolt every machine down.
Send us the checklist and we'll review your atm operator coverage line by line, then market it across multiple carriers that compete for your account.
Related: ATM Operator Insurance · ATM Operator Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an atm operator business need?
The core coverages for an atm operator business are ATM Cash & Machine Coverage (Inland Marine), Crime / Employee Theft, Money & Securities (In Transit), General Liability, Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my atm operator coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.