🛡️ Neutral 3rd-Party Transaction Insurance Gateway • We Facilitate, Not Underwrite

Connect to Global Insurers in 1 Click.
We Route. They Underwrite. You're Protected.

Whether you are sending a $5,000 contractor invoice, executing a $250,000 corporate wire, or letting autonomous AI agents settle tasks — Code402 / HCRB connects you directly to licensed underwriters (Lloyd's, Nexus Mutual, Allianz Trade, Akrivis Parametric). We are a neutral routing gateway, not an insurer.

✈️ Like a Travel Insurance Comparison Site

Just like Skyscanner shows you flight prices from many airlines, we show you insurance quotes from many licensed insurers — you pick one, they cover you directly. We just connect you.

🛡️ We Are the Bridge, Not the Insurer

Code402 / HCRB is a neutral referral gateway. We do not hold funds, underwrite risk, or issue policies. Licensed global syndicates (Lloyd's of London, Allianz Trade, Nexus Mutual) underwrite and reimburse you directly if something goes wrong.

⚡ 100% Automatic Refund

If a supplier disappears, wire fraud redirects your funds, or an escrow fails, the underwriter pays you back 100% of the payment. Verified mathematically in seconds.

⚠️ Gateway Disclosure: Code402 / HCRB is a neutral referral intermediary. Quotes below are sourced from independent licensed underwriters. We do not sell, underwrite, or bear insurance risk.
⚡ Live Quote Comparison • All Licensed Underwriters
$50,000.00 USDC
SAMPLE AMOUNTS:
✅ REFERRAL CONFIRMED — POLICY ISSUED BY UNDERWRITER POL-1
⚠️ Code402 / HCRB facilitated this referral only. The policy is issued and underwritten exclusively by the named syndicate below.

Accredited 3rd-Party Underwriters

These are the independent licensed insurance syndicates we route referrals to. Each underwrites and pays claims directly — Code402 / HCRB has no role in policy issuance or claims adjudication. No walled gardens, no platform lock-in.

Nexus Mutual & OpenCover Digital Asset Syndicate

A-
Decentralized smart contract & bridge execution indemnity
Coverage: smart_contract_execution
Max Limit: $2.5M USDC
Claim SLA: < 1 hour automated parametric trigger
Nexus Mutual Capital Pool & OpenCover Lloyd's Coverholder Partner

Euler Hermes & Allianz Trade Credit Syndicate

AA
Institutional B2B invoice guarantee & counterparty default insurance
Coverage: commercial_trade_credit
Max Limit: $10.0M USDC
Claim SLA: < 7 business days verified non-payment adjudication
Licensed credit insurer (Allianz Group) with ISO 20022 clearing integrations

Lloyd's Cyber & BEC Wire Fraud Defense Syndicate

A+
Comprehensive protection against Business Email Compromise & IBAN spoofing
Coverage: wire_fraud_bec_defense
Max Limit: $5.0M USDC
Claim SLA: < 24 hours forensic verification
Lloyd's of London Registered Syndicate #4020 for digital asset and wire fraud defense

Akrivis Parametric Subagent SLA & Delivery Guarantee

A
Sub-second parametric escrow refund if autonomous subagents fail delivery
Coverage: subagent_sla_delivery
Max Limit: $0.5M USDC
Claim SLA: < 5 seconds instant programmatic refund via DIP-1
Code402 / Akrivis native parametric delivery guarantor
Underwriter Accession

Are You a Licensed Insurer or Mutual Syndicate?

🏛️ Request Syndicate Accreditation

Any licensed credit insurer, cyber insurance syndicate, or decentralized risk pool can publish coverage parameters and underwrite transactions on Code402 / HCRB through our public accession endpoint:

curl -s -X POST "https://code402.dev/api/insurance/register" \ -H "Content-Type: application/json" \ -d '{ "name": "Acme Global Credit & Wire Indemnity", "rating": "A+ (AM Best)", "coverage_types": ["commercial_trade_credit", "wire_fraud_bec_defense"], "premium_rate_bps": 20, "min_fee_usdc": 2.00, "max_coverage_usdc": 10000000, "claim_sla": "< 24 hours forensic adjudication", "api_endpoint": "https://api.acme-insurance.com/v1/claims" }'