Elmore is a specialist insurance broker focused on digital innovation and infrastructure, providing risk transfer solutions for businesses operating at the forefront of technology and emerging industries. As a Lloyd’s broker with a growing international footprint, Elmore designs and arranges tailored insurance coverage to help organizations manage complex and evolving risks associated with digital transformation.
Overview
Operating at the intersection of pioneering businesses and specialist insurers, Elmore supports clients across sectors where traditional insurance models often fall short. Its services span digital innovation, cyber resilience, financial crime, liability, and dispute-related risks, with particular relevance to industries such as fintech, payments, Web3 and crypto, artificial intelligence and data, energy, and space.
Elmore’s core value proposition lies in its ability to translate complex operational, technological, and regulatory exposures into insurable frameworks that align with both client needs and insurer risk appetites.
History and Background
Elmore was established to address the growing demand for specialist insurance expertise in sectors shaped by rapid technological change and regulatory uncertainty. As digital assets, decentralized finance, and advanced data-driven systems gained traction, the need for brokers capable of understanding both technical and legal risk increased significantly.
By operating as a Lloyd’s broker, Elmore gained access to global insurance markets and specialist underwriting capacity, enabling it to structure bespoke policies for complex and non-standard risks. Over time, the firm has expanded its international presence to better serve clients operating across multiple jurisdictions.
Core Services
Cyber and Technology Risk: Coverage for cyberattacks, data breaches, system failures, and technology-driven operational disruption.
Digital Asset and Web3 Insurance: Risk solutions for crypto, blockchain, and Web3 businesses addressing custody, operational, and regulatory exposures.
Financial Crime and Liability: Insurance for fraud, crime, professional liability, and disputes arising from complex commercial arrangements.
Regulatory and Contractual Risk: Protection against regulatory enforcement actions and contractual fallout linked to digital innovation.
Emerging Technology Sectors: Insurance solutions for AI and data-driven businesses, fintech and payments, energy transition, and space-related ventures.
Approach and Expertise
Elmore positions itself as a translator between highly technical businesses and the insurance market. The firm works closely with clients to understand operational processes, regulatory environments, and potential failure points before structuring coverage that reflects real-world risk.
This approach enables Elmore to design insurance programs that are aligned with how digital businesses actually operate, rather than relying on generic policy wordings. Its international team combines expertise in insurance, technology, and regulation to address emerging risk profiles that continue to evolve alongside innovation.
Market Position and Use Cases
Elmore operates within the specialist insurance brokerage segment, serving clients whose risk profiles are often underserved by traditional brokers. Typical clients include crypto and Web3 firms, fintech platforms, AI-driven businesses, infrastructure providers, and companies operating in regulated or high-growth digital markets.
Use cases include managing exposure to cyber incidents, mitigating losses from operational outages, addressing liability from smart contract failures, and protecting against regulatory or contractual disputes arising from innovative business models.
Organization and Global Footprint
Elmore is supported by an international team with experience across insurance, technology, and risk advisory. Its Lloyd’s broker status provides access to a broad range of specialist insurers and global capacity, allowing it to place coverage for clients operating across borders.
The firm emphasizes collaboration, technical understanding, and a commitment to delivering insurance solutions that meet the demands of modern digital businesses.
Risks and Considerations
Insurance for emerging technologies and digital assets remains a developing market, with evolving regulatory standards and underwriting practices. While Elmore focuses on designing coverage for complex risks, policy terms, exclusions, and capacity constraints can vary. Businesses engaging with specialist insurance brokers should conduct thorough assessments of coverage scope and ensure alignment with their broader risk management strategies.
Elmore’s role as an intermediary highlights the growing importance of specialist brokers in helping innovative companies navigate the insurance challenges posed by rapid technological change.
