How cover works
We don't carry the risk. We connect you with those who do.
znobia is a specialist introducer for digital-asset firms. We connect you with the FCA-authorised brokers and Lloyd's carriers who arrange and underwrite protected cover for your digital assets — in the London market.
Three parties. One clear chain.
znobia does not insure you, arrange the contract, or carry the risk. As a specialist introducer, it connects you with the FCA-authorised brokers and carriers who do. Here is exactly how that works.
You bring the risk
Your custody model, treasury and exposures — the firm that needs protecting.
We connect you to the market
We're a specialist introducer. We understand digital-asset risk and put you in front of the FCA-authorised brokers built for it.
They arrange & underwrite it
FCA-authorised brokers arrange and advise on the cover; regulated insurers and Lloyd's syndicates underwrite it. The certificate stands behind them.
Protected cover for digital-asset holdings.
The authorised broker structures each line around your custody and treasury and places it with the carrier built for that risk — and we connect you with them. See the full detail on our coverage pages.
- Specie — cold storageProtected cover for digital assets held offline, against theft, loss and destruction at the vault.
- Crime — hot wallet & depositsCover for connected balances and deposit float against hacking, fraud and insider theft.
- Deposit coverWhere a programme protects a defined deposit or custody balance, the protected amount, triggers and limits sit in the policy wording.
- D&O — directors & officersPersonal liability cover for founders and officers, tuned to this sector's regulatory reality.
From submission to bound, without the translation tax.
You talk to people who understand custody architecture — not a call centre reading from a script.
Share your risk profile
Operational controls, custody model and exposure — through a structured submission we actually read.
We introduce you to the market
We connect you with the FCA-authorised broker and carriers built for your risk; they structure the programme and return indicative terms in plain language.
They bind; you stay covered
The authorised broker arranges and binds the cover. You get clear wordings, a named contact, and a claims-notification path that works.
The insurance is underwritten by regulated insurers and Lloyd's syndicates — not by znobia. Your limit is built across the subscription market: a lead line, then following lines, signed down. The named carrier(s) on your programme are disclosed to you before cover is bound, and the certificate stands behind those carriers. See a specimen certificate →
Everything here is checkable.
znobia is a trading name of BLD PROTECTION LTD, a company registered in England & Wales. You can verify the company on the public Companies House register, and our regulatory model and disclosures are set out in full in our legal section.
- Registered companyBLD PROTECTION LTD
- Company number13422142 ↗
- Registered inEngland & Wales
- Activity (SIC)66220 — insurance agents & brokers
- Regulatory modelLegal & Regulatory
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.