Custodial Failure
Protects insured assets if your custodian becomes insolvent or experiences a cyber breach that results in loss of holdings, above and beyond SIPC limits.
Investment Insurance
Protection for the portfolio you actually built.
SIPC stops at $500,000 and doesn't cover advisor errors, fraud, or alternative assets. Newlights Investment Insurance fills the gap — one policy, written for the modern American investor.
Advisor E&O Pass-Through
Reimburses you, the investor, when a covered advisor error, omission, or breach of fiduciary duty causes a documented portfolio loss.
Fraud & Misappropriation
Coverage for theft, forgery, social-engineering scams, and misappropriation of investable assets by a third party.
Insured Allocation Drawdown
Optional rider that backstops a defined slice of your portfolio against drawdown beyond an agreed threshold over a 12-month period.
Alternative Assets
Schedules for private equity, private credit, venture, real estate syndications, and other illiquid positions held outside a traditional brokerage.
Identity & Account Takeover
Restoration costs, legal fees, and direct losses from brokerage or retirement-account takeover events.
Coverage tiers
Right-sized for the size of your book.
Core
Investors with $100k–$500k in invested assets
From $39/mo
$250,000 limit
- Custodial failure top-up to $250k
- Identity & account takeover
- Fraud & forgery
- U.S.-based concierge claims
Most popular
Wealth
Accredited investors with $1M–$10M invested
From $189/mo
$2,500,000 limit
- Everything in Core
- Advisor E&O pass-through
- Insured allocation drawdown rider
- Scheduled alternative assets up to $1M
- Annual portfolio risk review
Private Client
Family offices, single-family trusts, UHNW
Advisory
Up to $250M limit
- Bespoke program design
- Multi-custodian coordination
- PE / venture / real-estate schedules
- Dedicated claims partner & broker
What it does not cover
Honest about limitations.
Investment Insurance is not market-loss insurance. It does not reimburse ordinary day-to-day market movements on uninsured allocations, losses from your own discretionary trading, or speculative options strategies. For equity drawdown protection on qualifying positions, see Stock Market Insurance.
Frequently asked
Is this regulated insurance?
Yes. Underwritten by Newlights Indemnity, Inc., an admitted carrier in all 50 states. NAIC #87412.
Do I need a financial advisor to qualify?
No. Self-directed investors qualify. Wealth and Private Client tiers do require a verified custodial statement.
Does this overlap with SIPC?
It sits on top of SIPC. Where SIPC stops at $500k (with a $250k cash sub-limit), our policy picks up the next layer, plus perils SIPC does not address.
How are claims valued?
At independent third-party valuation as of the loss-event date, not at the lower of basis or market.