Market access
znobia accesses capacity through the London market and adjacent Bermuda and company-market structures. Below is a plain account of how that access is arranged, where znobia sits in its coverholder application process at Lloyd’s, and what we permit ourselves to say about specific carriers at this stage.
Jurisdictions
London — Lloyd’s syndicate market and adjacent company-market capacity. Bermuda — reinsurance and crypto-specific programmes where the class is unavailable in London. Where US-paper components are required on layered programmes, znobia works through US wholesale broker counterparties on a case-by-case basis.
The schematic at right is institutional reference, not a survey-grade chart.
How znobia accesses capacity
01
Through approved Lloyd’s syndicates writing digital-asset Crime, Specie, Cyber, D&O, and Professional Indemnity classes. Coverholder authority sought via the standard Lloyd’s coverholder application process, sponsored by a Lloyd’s broker and a managing agent.
02
Through Bermuda-licensed insurers writing crypto-specific programmes, where the class or capacity is not available in London.
03
For classes outside Lloyd’s appetite, or where excess capacity is required on layered programmes.
Carrier panel
The panel is populated once znobia’s coverholder applications are approved at Lloyd’s and brand-asset permissions are received from the relevant managing agents. We do not display syndicate or carrier logos before that point — Lloyd’s Brand Guidelines reserve the use of the Lloyd’s name and the “Coverholder at Lloyd’s” lockup to approved market participants. The placeholder grid is intentional.
Panel slot 01
Published on authorisation.
Panel slot 02
Published on authorisation.
Panel slot 03
Published on authorisation.
Panel slot 04
Published on authorisation.
Panel slot 05
Published on authorisation.
Panel slot 06
Published on authorisation.
London · 24 May 2026 · Status note
Coverholder application in progress at Lloyd’s. Carrier panel published on approval — not before.
Editorial reference · public-press third-party reporting
Based on public press and the carriers’ own disclosures, the following syndicates are publicly known to write digital-asset cover:
This is third-party editorial reference based on public reporting, not a representation of any existing carrier relationship between znobia and these syndicates. Other syndicates with cyber and financial-institutions capacity (for example, Beazley, Hiscox 33, Convex 1984) have written adjacent classes that can in principle wrap digital-asset risk. We will publish our actual carrier panel relationships at the date of approval, with brand-asset permission letters on file.
Brand discipline
Two reasons. First, Lloyd’s Brand Guidelines reserve use of the Lloyd’s name, “at Lloyd’s”, and the “Coverholder at Lloyd’s” lockup to approved market participants. Use of these by an unapproved firm would be both a brand-guideline breach and an FCA fair-clear-not-misleading concern. Second, each managing agent’s syndicate brand is gated by that agent’s marketing function; pre-approval use of a syndicate name in a way that implies partnership is not permitted by the underlying carrier T&Cs.
The honest path is to wait, and to publish the relationships at the date the permission letters issue.
znobia acts as an insurance intermediary. We do not underwrite risk. Cover, where available, is placed with authorised carriers and is subject to underwriter approval, policy terms, exclusions and conditions. Nothing on this site is investment, tax, legal or financial advice.