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Why Znobia

Built for custody, not retrofitted to it.

There is roughly $3.31 trillion in digital assets, and about one in nine of it carries insurance. The gap isn't appetite — it's access. That is the problem we exist to solve.

Znobia is a specialist gateway to insurance for digital-asset businesses. We work where most firms can't find the door — connecting you with the FCA-authorised brokers, Lloyd's syndicates and international carriers who arrange and underwrite specie, crime and management-liability cover, and who understand custody architecture, cold and hot storage, and the regulatory ground these firms operate on.

We don't sell a product off a shelf, and we don't carry the risk. We understand your exposures — from vault to transfer to boardroom — and put you in front of the right authorised market for them. Smaller, senior, and accountable to you.

And we tell you the truth about the market. Where capacity is thin, we say so. Where a line is uninsurable today — smart-contract and DeFi protocol risk chief among them — we say that too, before you engage, not after.

Market context

Finite capacity. Real losses. A desk that knows where it sits.

Overhead view of a working meeting around a wooden table — laptops, notebooks and printed documents in mid-discussion.
Lloyd's subscription market
Your limit is built across syndicates, not carried on one balance sheet — lead line, following lines, signed down.
Lloyd's cold-storage facility
$825M
Top of market capacity (Marsh).
Bybit · Feb 2025
$1.5B
Out the door in one morning. Capacity is finite — the brokers we connect you with compete for yours.
Stolen · H1 2025$2.1B across 75 incidents.
Digital assets insured
~11%
89% uninsured by access, not appetite.
Why Znobia

Insurance that doesn't pretend crypto is just another SME.

— The Znobia principle

Talk to us
  • We know who writes it.We know which FCA-authorised brokers and Lloyd's syndicates cover digital-asset risk — and connect you to the right one, fast.
  • We tell you what isn't insurable.Smart-contract and DeFi cover is a data-deficit line. We say so before you engage, not after.
  • Controls move your rate.Multi-sig M-of-N, MPC key-sharding, withdrawal whitelisting and segregated custody all price in your favour.
  • Placed with A-rated capacity.Cover is arranged by authorised brokers across Lloyd's syndicates; the certificate stands behind the carrier, who is named to you.

Get indicative terms for your digital-asset firm.

Tell us how you operate. We'll return a structured view of what's coverable — in plain language, same business day.

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No obligation · same-business-day acknowledgement*