How to Access Corporate Bitcoin Insurance Through Resolvr's BDIC Platform

Corporate treasuries holding Bitcoin face a peculiar problem: traditional insurers don't really understand the asset, and the coverage they do offer often doesn't match how companies actually custody their holdings. Resolvr's BDIC (Bitcoin Denominated Insurance Collaborative) platform attempts to solve this by creating infrastructure where regulated carriers can underwrite Bitcoin-specific risks with policies embedded directly into exchanges, custodians, and self-custody wallets.

Here's how corporate Bitcoin holders can actually access this coverage in 2026.

What BDIC Actually Covers

Before diving into the application process, it's worth understanding what you're buying. Resolvr's BDIC platform connects regulated insurance carriers with corporate Bitcoin holders to cover three primary risk categories:

• Exchange failures where a trading platform becomes insolvent or otherwise unable to return customer funds
• Hacks resulting in loss of Bitcoin from covered wallets or accounts
• Theft including both external breaches and internal bad actors

The distinguishing feature is that these are named-insured policies, meaning coverage is tied to your specific company and specific wallets or accounts rather than pooled protections that may or may not pay out when you need them.

Premiums and claims are paid in Bitcoin, which creates a natural hedge: if your treasury holdings get stolen, you receive Bitcoin back rather than fiat that may have depreciated against Bitcoin by the time your claim settles.

Three Paths to BDIC Coverage

Corporate treasuries can access BDIC insurance through three distinct channels, depending on how they custody their Bitcoin.

Through a BDIC-Integrated Exchange or Custodian

The simplest path exists for companies already using qualified third-party custodians or exchanges that have integrated BDIC into their platforms. In this model, insurance appears as an embedded option within your existing custody dashboard.

You don't need to find a broker or negotiate directly with carriers. The exchange or custodian has already done the integration work, and you can obtain quotes, bind policies, and pay premiums without leaving the platform you use daily.

The tradeoff is that your coverage options are limited to whatever that specific provider has negotiated with carriers through BDIC. You may not have access to the full range of coverage structures available on the platform.

Through a BDIC-Integrated Self-Custody Wallet

For companies that maintain sovereign custody of their Bitcoin (holding their own keys rather than trusting a third party), the self-custody path has become viable as of early 2026. Liana Business's self-custody wallet, for example, now offers BDIC-powered insurance for corporate clients.

This approach lets enterprises underwrite their own multisig or self-custody stacks through the BDIC infrastructure. Policy issuance, premium collection, and claims settlement all happen through the integrated system.

Self-custody insurance typically requires more documentation about your security setup, key management procedures, and operational controls. Carriers want to understand exactly how your Bitcoin is secured before they'll underwrite the risk.

Through Brokers and Coverage Providers

Companies that don't use BDIC-integrated platforms, or that want access to the full marketplace of carriers and coverage options, can work through brokers or coverage providers that have joined the BDIC network.

This is the more traditional insurance distribution model, just applied to Bitcoin-denominated coverage. A broker helps you assess your risk profile, shops among carriers, and negotiates terms on your behalf.

This path makes sense for larger treasuries with complex custody arrangements spanning multiple providers, or for companies that want to compare offers across multiple carriers rather than accepting whatever their custodian has pre-negotiated.

The Application Process

Regardless of which access path you choose, the underwriting process follows a similar pattern.

Documentation Requirements

Carriers need to understand your custody setup in detail. Expect to provide:

• Documentation of which exchanges, custodians, or self-custody solutions hold your Bitcoin
• Details on multisig configurations, including key distribution and signing thresholds
• Security policies covering access controls, employee procedures, and incident response
• Historical transaction volume and treasury size
• Corporate structure and financial statements

The more transparent you can be about your security practices, the better rates you're likely to receive. Carriers price risk based on what they can verify, and undocumented security measures don't earn you premium credits.

Premium Calculations

BDIC's infrastructure includes automated quoting through what Resolvr calls the Real-Time Premium Manager (RPM). This system handles the complexity of pricing Bitcoin-denominated risk while allowing carriers to manage their own exposure in fiat or stablecoins if they prefer.

Premium calculations typically factor in:

• Total Bitcoin under coverage
• Custody method (exchange, qualified custodian, or self-custody)
• Specific platforms or wallets being insured
• Coverage limits and deductible structures
• Security controls and operational procedures

Rates vary significantly based on custody method. Self-custody with robust multisig arrangements might receive more favorable pricing than exchange-held Bitcoin, depending on the specific platforms involved and your security documentation.

Binding and Premium Collection

Once you accept a quote, policy binding and premium collection happen through BDIC's automated workflows. For integrated platforms, this may be as simple as confirming coverage and authorizing a Bitcoin transaction from your treasury wallet.

Premiums are paid in Bitcoin, though the underlying carriers may receive their portion in fiat or stablecoins through the RPM system. This shields them from Bitcoin price volatility while allowing you to transact natively in the asset you're insuring.

The Captive Insurance Option

For large corporations with significant Bitcoin treasuries, Resolvr also offers the option of creating Bitcoin-native captive insurance subsidiaries.

A captive is essentially your own insurance company that insures your own risks. In the traditional corporate world, captives are common among Fortune 500 companies looking to self-insure operational risks and capture underwriting profits rather than paying them to external carriers.

The Bitcoin-native version lets companies allocate part of their treasury as risk capital, effectively earning yield on Bitcoin that would otherwise sit dormant on the balance sheet. You're still protected against losses, but instead of paying premiums to external carriers, you're retaining that capital within your corporate structure.

This approach requires significant treasury size to make economic sense, along with regulatory expertise to properly structure the captive. It's not for every company, but for those with substantial holdings, the potential cost efficiencies can be meaningful.

What This Doesn't Solve

Bitcoin-denominated corporate insurance through BDIC addresses specific risks, but it's worth being clear about what it doesn't cover.

Price volatility isn't insurable through this mechanism. If Bitcoin drops 50% in dollar terms, your insurance policy won't compensate you for that loss. You're covered for theft, hacks, and platform failures, not market movements.

Regulatory risk is also generally excluded. If a jurisdiction seizes your Bitcoin or makes it illegal to hold, that's typically outside the scope of BDIC coverage.

And coverage is only as good as the carrier standing behind it. While BDIC works with regulated insurers and reinsurers, the specific financial strength and claims-paying track record of your carrier matters. Ask about carrier ratings and capacity limits before binding coverage.

Getting Started

The practical first step depends on your current custody setup. If you already use a BDIC-integrated exchange, custodian, or self-custody wallet, check your dashboard for insurance options. The integration may already be live.

If you're not on an integrated platform, or if you want to explore the full marketplace, reaching out to a BDIC-affiliated broker or contacting Resolvr directly will give you access to the broader network of carriers and coverage options.

Either way, gather your custody documentation before starting the process. The more detail you can provide about how your Bitcoin is secured, the faster underwriting will proceed and the more competitive your quotes are likely to be.

Bitcoin corporate insurance is still a relatively young market, and the infrastructure continues to evolve. But for companies serious about holding Bitcoin on their balance sheets, having actual coverage for custody risks (rather than just hoping nothing goes wrong) increasingly looks like a basic treasury management function rather than an exotic add-on.