Solutions
Four kinds of client, four different risk maps.
Choose the description that fits you best. Each page explains the exposures we usually find and how underwriters approach them.
Individual crypto holders
Self-custody, with a plan for when things go wrong.
Holding your own keys removes counterparty risk and replaces it with personal responsibility. A house fire, a burglary, a hardware device that fails mid-update, or a family member who cannot find the backup after you are gone — each can make assets permanently unreachable.
Crypto businesses and exchanges
Programmes built for custodians, venues, OTC desks and miners.
Canadian crypto businesses operate under overlapping obligations: FINTRAC registration as money services businesses, CIRO and provincial securities oversight for trading platforms, and contractual commitments to clients that often exceed what the law requires.
Web3 builders and DAOs
Protocol risk, treasury risk and the people who build.
Protocol teams carry two kinds of exposure: funds that sit in their contracts, and liability for the code that holds them. DAOs add a third — a treasury governed by token holders who may not understand what insurance does and does not do.
Institutional and family-office clients
Material allocations deserve institutional-grade controls.
Funds, corporate treasuries and family offices increasingly hold digital assets alongside traditional portfolios. Investment committees and boards expect the same rigour applied to custody risk as to any other holding.