Capsule Cover
Specialist insurance broker built for high-growth, scale-up businesses — including FinTechs, crypto and digital-asset companies.
Quick Facts
- Best For
- High-growth UK scale-ups — particularly FinTechs, crypto and digital-asset businesses, SaaS companies, MedTechs and climate ventures — that need insurance programmes built to flex with rapid expansion, international hiring and evolving regulatory requirements.
- Pricing
- Bespoke programmes; pricing varies by risk profile and coverage requirements. Contact the team for a tailored quote.
Overview
Capsule Cover is a UK-based specialist insurance broker dedicated to high-growth and scale-up businesses. Operating as Capsule Insurance Services Limited — an Appointed Representative of James Hallam Limited, authorised and regulated by the FCA (FRN 948838) — Capsule designs dynamic, tailored insurance programmes shaped not just for where a business is today, but where it intends to go. Its philosophy, which it calls next-level thinking, means coverage evolves in step with a client's ambitions, headcount and geographic reach.
Capsule's product suite spans five broad pillars: People & Role Protection (Employers' Liability, Directors' & Officers', Key Person, Business Health, Employment Practices Liability); Business Operations & Legal Cover (Public Liability, Product Liability, Professional Indemnity); Digital & Data Protection (Cyber Insurance); Travel & Trade Risks (Business Travel, Crime); and Goods & Asset Cover (Business Property, Business Interruption, Marine Cargo, Trade Credit). This breadth allows the team to build a single, coherent programme rather than a patchwork of standalone policies.
The firm has a dedicated crypto and digital-asset practice, advising exchanges, wallet and custody providers, DeFi teams, tokenisation platforms, payments businesses and blockchain infrastructure providers. Working with specialist Lloyd's markets, Capsule builds cover — including Professional Indemnity, Tech E&O, Cyber, D&O, Crime and Slashing coverage for validator and staking operations — that responds properly without exclusions that quietly undermine the policy. The team is actively helping clients prepare for the UK's incoming FSMA Cryptoasset Regime, with the FCA application window opening in September 2026 and the regime going live in October 2027.
Capsule became a B Corp in 2022 and achieved a score of 101.7 in its 2025 Impact Report, reflecting its commitment to ethical business. The firm also publishes the annual Scale-Up 50, a curated list of the UK's fastest-growing tech companies, and operates a partner network that includes VC relationships, making it a well-connected ecosystem player for innovative, impact-driven organisations.
Focus Areas
Who They Work With
Notable Work
Capsule has delivered notable insurance outcomes for a range of high-growth clients:
Olio — Redesigned the insurance programme ahead of global expansion, delivering major cost savings while strengthening multi-region protection.
what3words — Provided agile, innovative insurance support as the fast-moving tech company expanded globally, with the CFO noting it set a new standard for external support.
Moneyhub — Evaluated and customised coverage for a leading open finance FinTech, ensuring policy limits, wording and exclusions matched the firm's innovative approach.
Learnerbly — Advised on territorial and jurisdictional limits ahead of US expansion to ensure seamless coverage for American clients.
Peak AI — Stepped in weeks before policy renewal to deliver expert AI insurance support under pressure, elevating coverage while reducing premiums.
Cumulus Neurosciences — Restored critical US coverage within 8 days after the neurotech firm lost key protection, working via partner Vouch.
Ocean Bottle — Delivered cost-saving insurance solutions for a fellow B Corp focused on reducing ocean plastic waste.
Key Contacts
- Ben Coker — Crypto Broker (LinkedIn: linkedin.com/in/ben-coker123/)
- Alex Hurley — Crypto New Business (LinkedIn: linkedin.com/in/alex-hurley-7a4aa819a/)
Office Locations
Frequently Asked Questions about Capsule Cover
What makes Capsule Cover different from a standard commercial insurance broker?
Capsule focuses exclusively on high-growth and scale-up businesses, designing insurance programmes that anticipate where a company is heading rather than simply reflecting its current size. Its leadership team has direct experience building and scaling venture-backed businesses, and the firm works with specialist Lloyd's underwriters rather than the standard market.
Does Capsule Cover work with crypto and Web3 businesses?
Yes. Capsule has a dedicated crypto practice led by specialists Ben Coker and Alex Hurley. The team works with exchanges, wallet and custody providers, DeFi protocols, tokenisation platforms, payments businesses and blockchain infrastructure providers, placing cover through specialist Lloyd's markets. Products include Professional Indemnity, Tech E&O, Cyber, D&O, Crime and Slashing coverage for staking and validator operations.
How can Capsule help us prepare for the UK's FSMA Cryptoasset Regime?
The FCA's FSMA Cryptoasset Regime application window opens in September 2026 and the regime goes live in October 2027. Capsule advises crypto businesses on getting the right governance, controls and insurance in place early, which can help demonstrate operational resilience to investors, boards, customers and regulators ahead of the deadline.
Can DAOs and crypto foundations get insurance through Capsule?
Foundations are generally more straightforward to place with insurers. DAOs can be insured in some cases, depending on how clearly their structure, governance and decision-making processes can be presented to underwriters — Capsule's team will assess viability on a case-by-case basis.
What sectors does Capsule specialise in beyond crypto?
Capsule serves six main sectors: FinTech, Consumer, SaaS & Tech, MedTech, Climate and Venture Capital. As a B Corp itself, Capsule also has particular expertise in helping sustainable and impact-driven businesses unlock ESG-linked insurance benefits such as lower premiums and better terms.
How does Capsule support clients during a claim?
Capsule has an in-house claims advocacy team that stays involved throughout the claims process. The team presents facts clearly to insurers, anticipates underwriter questions, challenges positions where appropriate and shapes the claim narrative — with the goal of securing the best possible outcome while removing pressure from the client.
How do I get started with Capsule Cover?
You can reach the team by emailing hello@capsulecover.com, calling 01242 801389, or booking a meeting directly via the Capsule Calendar on their website. For crypto-specific enquiries, a dedicated booking link is available for the crypto new-business team.
Is Capsule Cover FCA-regulated?
Yes. Capsule Insurance Services Limited trades as Capsule and is an Appointed Representative of James Hallam Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 134435). Capsule's own FRN is 948838, and the firm is registered in England and Wales (company number 13340821).
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