Pioneering Greater Coverage

ESI is the nation’s only multi-state provider of excess share insurance for credit unions. Headquartered in Dublin, Ohio, ESI is a wholly-owned subsidiary of American Share Insurance (ASI), a credit union-owned private deposit insurer founded in 1974 by credit unions, for credit unions.

Learn more about ASI


Pioneering Greater Coverage

ESI is the nation’s only multi-state provider of excess share insurance for credit unions. Headquartered in Dublin, Ohio, ESI is a wholly-owned subsidiary of American Share Insurance (ASI), a credit union-owned private deposit insurer founded in 1974 by credit unions, for credit unions.

Learn more about ASI
Our Story

ESI’s History

ASI first pioneered the concept of excess share insurance in 1981. As demand grew, ASI found it necessary to organize and charter a more standardized insurance company. In 1993, ESI was chartered by the Ohio Department of Insurance. Over the following years, ESI gradually expanded its reach by securing licensure by state insurance departments in 35 states and the District of Columbia.

A National Footprint

ESI is an Ohio-based property and casualty insurance company, authorized to insure consumer share accounts in both federally and privately insured credit unions. ESI currently protects hundreds of institutions of all sizes, with insured deposits totaling more than $7 billion.

Financially Sound

Since its inception, ESI has without exception received favorable reports and clean opinions concerning the accuracy and soundness of its financial operations. Not a single individual has ever lost money in a financial institution insured by ESI.

Superior Security

Annually, ESI is subject to an audit by one of the “Big Four” international CPA firms, and its loss reserves have been determined to be sufficient by one of the world’s leading actuarial firms, all without adverse issues being noted or raised. Please contact ESI for copies of the Company’s audited financial statements.

Supporting Our Heroes

ESI & ASI are the only U.S. private deposit insurers who partner with credit unions and banking programs serving overseas service members. They are proud to insure the deposits of overseas military personnel who use Community Bank, a Department of Defense (DoD) banking program.

ESI allows qualifying credit unions to customize the protection provided to members with deposit account balances in excess of $250,000.


Call us at 800-521-6342 to discuss excess coverage options.

MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.

Privacy Policy       Terms of Use

© 2024 Excess Share Insurance

Send a Secure Email

Questions? Reach out.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
Enter your
text here
Skip to content