Crypto: new Howden Web3 risk ecosystem
Summary
Our growing panel of specialist partners
Our new Howden Web3 enhanced ecosystem connects our clients with a curated network of specialist providers spanning areas such as security infrastructure, forensic investigation, legal advisory, restructuring, and asset tracing, enabling organisations to proactively strengthen their risk profile while retaining access to coordinated recovery capabilities in the event of a loss.
The solution moves beyond traditional insurance models by embedding pre-emptive expertise alongside claims and recovery services, giving clients access to vendors who can help identify vulnerabilities, improve operational resilience, and ultimately reduce the likelihood and severity of incidents.

Appold - strategic adviser
Appold provides independent, auditor-grade risk assessments that enhance underwriters’ visibility into clients’ governance, IT controls, and operational resilience, addressing common gaps such as weak oversight, inconsistent policies, and unclear accountability. This enables underwriters to make faster, more accurate decisions, reduce uncertainty and conservative pricing buffers, and ultimately increase policy placement while helping clients strengthen controls and potentially lower premiums.

Circuit Security
Circuit acts as a ‘last line of defence’ for institutions (like exchanges and asset managers) by enabling them to rapidly move and secure assets if something goes wrong, such as a hack, key loss, or system outage or failure. Using proprietary technology, the company can automatically sweep funds to the client's secure backup environments without holding private keys, helping organisations holding digital assets to maintain operational continuity, reduce loss frequency and severity, and improve overall resilience.

Lawrence Stephens - specialist litigator
Lawrence Stephens’ Blockchain and Digital Assets division acts as a full-service legal partner helping clients navigate both the opportunities and risks of the rapidly evolving digital asset ecosystem. It supports a wide range of clients on commercial, corporate, and regulatory matters as clients adopt or build blockchain-based products and services. The team also handles disputes and risk scenarios, including tracing and recovering stolen or misappropriated crypto assets across jurisdictions, and provides strategic legal guidance on emerging issues such as tokenisation, governance, and compliance.

Merrill Herzog - ransomware payment specialist
Merrill Herzog’s offering to crypto clients is focused on protecting people and assets in high-risk, real-world scenarios that arise from holding or operating in digital assets - not just technical cyber risk. They provide specialist risk advisory, intelligence, and crisis response services tailored to the unique threats faced by crypto founders, investors, and executives, such as targeting by criminals due to public wallet visibility or perceived wealth.

Recoveris - incident response
Recoveris supports policyholders who have been affected by scams or hacks by providing tracing and recovery coordination services, with a strong emphasis on establishing a clear and efficient response framework to maximise recovery prospects. Operating on a success-based fee model - typically a percentage of any recovered funds - Recoveris can engage with receiving services through informal channels or direct contacts, help shape the overall legal and recovery strategy alongside appointed legal advisers, and offer ongoing technical and expert support to both legal teams and law enforcement agencies throughout the recovery process.

Sailo Technologies - blockchain security
Sailo Technologies provides enterprise-grade protection for digital assets and Web3 transactions. Its core offering utilises multi-layer protection, real-time monitoring, fraud prevention, and proactive transaction security using proprietary privacy protocols. Sailo’s proprietary engine blocks malicious transactions before they execute - stopping hacks, phishing, and unauthorized access at the source. The platform operates without changes to underlying chains or the requirement of private keys. To complement this technical layer, Sailo pairs its technical security with transaction insurance backed by Tier-1 insurance underwriters - positioning it at the intersection of cybersecurity and financial protection.

Sodot - key infrastructure
Sodot provides enterprise-grade key management and security technology for digital asset businesses, enabling them to safely build and operate crypto products such as wallets, custody solutions, trading systems, and payment platforms. Its core offering is a self-hosted cryptographic infrastructure based on multi-party computation (MPC) and trusted execution environments (TEE), which allows organisations to generate, store, and use private keys without exposing them or relying on a single point of failure.

Wilson Elser - US legal services
Wilson Elser's offering to crypto clients centres on legal, regulatory, and insurance-focused advisory across the evolving digital asset landscape, helping both crypto-native companies and insurers understand and manage the risks associated with blockchain technologies. The firm provides guidance on issues such as securities and commodities classification, regulatory compliance, custody and staking risks, intellectual property, and the legal implications of operating crypto platforms, particularly in a market where regulation remains uncertain and enforcement is increasing.
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zeroShadow - incident response
ZeroShadow provides end-to-end protection, incident response, and investigative services for blockchain organisations and digital asset holders. Acting as an extension of a client’s security team, it covers the full security lifecycle - helping clients prepare for threats, prevent attacks, respond to incidents, and recover from breaches. Its core offering includes real-time threat intelligence, proactive security consulting, and a 24/7 incident response capability, alongside specialist services such as tracing stolen funds, coordinating with exchanges and law enforcement, and supporting recovery efforts after hacks or scams.