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What's covered

Three lines, written for the way value actually moves.

Specie, crime and D&O are real, placeable markets. Structured together, the full custody chain — at rest, in transit, live, and in the boardroom — is covered by the line built for it. We connect you with the FCA-authorised brokers who arrange it.

01

The specie market · cold storage

Specie

Specie is a market originally built for bullion, fine art and jewellery — irreplaceable value held in vaults and moved under guard. It has been extended to digital assets in cold, offline storage, where the largest balances of a custodian or exchange typically sit.

Because cold-stored assets are air-gapped, they attract the broadest available capacity and the most favourable treatment — provided the controls around key generation, storage and signing stand up to underwriting scrutiny.

Cold storageVault & transitKey-data theftEmployee dishonesty
Read the Specie line
02

Crime / fidelity · hot wallet

Crime

Crime, or fidelity, cover responds where value is connected to the internet and therefore reachable: hot wallets, withdrawal queues, transfers and transit. It is priced for the higher exposure that connected systems carry.

Crime and specie are structured together so that no link in the custody chain — at rest, in transit, or live — is left without a line behind it.

Hot walletFraudulent transferSocial engineeringInsider theft
Read the Crime line
03

Management liability · directors & officers

Directors' & Officers'

D&O responds to claims arising from how the business is run: regulatory action, investor disputes and allegations of wrongful acts against individuals and the entity.

Post-FTX this is a hard market. Carriers have added broad crypto and regulatory exclusions or declined the class entirely — which makes reading the wording, not just buying it, the part that matters.

Side A / B / CRegulatory actionInvestor disputesPost-FTX exclusions
Read the Directors' & Officers' line
Abstract dark-tone close-up of distributed-ledger graph nodes — scene-setting for the custody-risk primer.

A note on honesty

Smart-contract and DeFi cover is a data-deficit line traditional carriers largely avoid. We'll tell you what's insurable today — and what isn't — before you bind.

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