Question 1

Which jurisdictions do you operate in?

Accepted Answer

We provide protection across 60+ jurisdictions including the UK, EU, Switzerland, Singapore, UAE, US, and most major financial centres. Some restrictions apply to sanctioned territories.

Question 2

What is your typical capacity per policy?

Accepted Answer

Capacity ranges from £250K for individual investment policies up to £100M for syndicated international loan facilities. Larger limits are available subject to reinsurance treaty terms.

Question 3

Can policies be tailored to my specific exposure?

Accepted Answer

Yes - every institutional policy is bespoke. Our specialist underwriters structure coverage around your specific transaction flows, counterparties, and risk appetite.

Question 4

How long do claims typically take to settle?

Accepted Answer

Most straightforward claims settle within 7–14 working days. Complex cross-border claims involving multiple jurisdictions may take 21–30 days. Emergency interim payments are available.

Question 5

What documentation is required?

Accepted Answer

Policy number, government-issued ID, transaction evidence, proof of loss, and (where applicable) police or regulatory reports. A full list is provided when you submit a claim.

Question 6

Is there a deductible?

Accepted Answer

Deductibles are policy-specific and disclosed in your certificate. Many institutional policies operate with low or zero deductibles in exchange for risk-adjusted premiums.

Question 7

Do you cover transfers to high-risk corridors?

Accepted Answer

Yes, subject to enhanced due diligence and KYC. We maintain active corridors in regions other insurers will not service.

Question 8

Are policies recognised by my local bank?

Accepted Answer

Our certificates are accepted by major correspondent banks globally and recognised under UK and EU regulatory frameworks.

Question 9

Which digital assets are covered?

Accepted Answer

200+ major digital assets across Bitcoin, Ethereum, major altcoins, and most stablecoins. Custom asset lists available for institutional clients.

Question 10

Do you cover smart contract exploits?

Accepted Answer

Yes, specific protocols can be added to your policy schedule following our security audit verification.

Question 11

How are claims settled - fiat or crypto?

Accepted Answer

Both options are available. Settlement currency is selected at policy inception and can be amended at renewal.

Question 12

Is portfolio drawdown protection available?

Accepted Answer

Yes - our Investment Risk Policy can include mark-to-market floors with event-based settlement triggers.

Question 13

Do you cover alternative assets?

Accepted Answer

Coverage extends to private equity, hedge fund interests, structured products, and real estate-backed instruments, subject to underwriting review.

Question 14

Do you cover correspondent bank failures?

Accepted Answer

Yes, our Bank Exchange Risk Policy specifically includes correspondent bank insolvency and settlement-timing risk events.

Question 15

Can policies integrate with my treasury management system?

Accepted Answer

Our policies expose API endpoints for integration with major TMS platforms including Kyriba, ION, and FIS.

Frequently asked questions

Coverage

Claims

International Policies

Cryptocurrency

Investments

Banking Risks