Coverage
Five classes, each with its own binder.
Risk-transfer for digital-asset operators is not a single product. It is a portfolio of binders, each with its own underwriter, its own wording, its own exclusions, and its own renewal cycle. The five classes znobia places are set out below. Each links to a class-specific page with peril taxonomy, the questions an underwriter will ask, and the process from enquiry to instruction-to-bind.
01 · Operational
Digital assets
Custodial loss, hot-wallet compromise, cold-storage compromise, smart-contract logic failure, validator slashing. Crime / Specie / Custody binders, placed via Lloyd’s syndicates with known appetite for the class.
Read coverage02 · Financial
Financial instruments
Fund-vehicle liability, securities exposures, structured-product cover for digital-asset-adjacent strategies, professional-indemnity for asset managers. Placed through the London FI market and adjacent company-market capacity.
Read coverage03 · Directors
D&O
Director and officer liability programmes built for digital-asset firms, with attention to token-specific exposures — securities classification, governance disputes, SAFT and SAFE exposures, regulatory enforcement — that generic D&O wordings do not consistently address.
Read coverage04 · Cyber
Cyber
Cyber towers built to dovetail with Crime / Specie cover at the digital-asset / cyber boundary — where the question of “is this a cyber loss or a crime loss?” determines which binder responds.
Read coverage05 · PI
Professional indemnity
Errors & omissions cover for financial-services and fintech firms, with attention to digital-asset advisory activity, exchange and custody operational error, and the specific exposures that arise from advising on or operating in digital-asset markets.
Read coverageA note on placement
znobia is in the coverholder application process at Lloyd’s. The carrier panel for each class will be published once coverholder status is approved and brand-asset permissions are received from the relevant managing agents. Pre-coverholder, we discuss specific syndicate appetite as third-party editorial reference (public press) — not as a representation of an existing relationship.
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. The classes listed above describe the cover znobia intends to place. Whether a specific risk is acceptable, and on what terms, is determined by the underwriter, not by znobia. Past availability does not indicate future availability, pricing, or capacity.