Management liability · directors & officers
Directors' & Officers'.
Cover for the personal liability of founders, directors and officers — the people running a digital-asset firm under evolving regulation.
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.
What it responds to
- Regulatory investigations and enforcement action against individuals
- Investor and shareholder disputes
- Allegations of wrongful acts, breach of duty or misstatement
- Defence costs and, where covered, settlements (Side A / B / C)
What's typically excluded
- Broad crypto-activity and regulatory exclusions (now common)
- Conduct involving proven fraud or dishonesty by the insured
- Prior and pending litigation known at inception
- Bodily injury and property damage (covered elsewhere)
Who it's for
Founders, boards and officers of digital-asset businesses who need personal protection that reflects this sector's regulatory reality — not a generic tech D&O.
The other lines
Specie
Cover for high-value, hard-to-replace assets held in secured locations — and, for digital-asset firms, for the assets that sit offline in cold storage.
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Crime
Cover for assets exposed in motion or online — warm and hot wallets, transfers and the operational float that has to stay live.
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See how specie, crime and D&O fit together across the custody chain.
OverviewGet 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.