ELECTRONICS IMPORTERS
If your BOM depends on Taiwan-sourced semiconductors or components, you have concentration risk that no traditional insurance product covers. Calyx puts financial protection in place before disruption hits.
THE PROBLEM
Finding replacement suppliers for specialized components takes 6–18 months. Qualification, testing, and certification timelines don't compress because you're in a hurry.
Production lines stop. Customer orders get pushed. Revenue disappears. Your fixed costs don't.
Spot market prices for scarce components spike 3–10x during disruptions. You pay whatever it takes to keep production running.
Financial protection is the fourth option: a known cost today that provides immediate capital when disruption hits. No claims process. No loss adjustment. Automatic settlement based on a published trigger.
COVERAGE
A political event disrupts shipping or trade with your primary sourcing country or region. Protection responds automatically based on the trigger event.
You source 60–90% of a critical component from one country. We model this concentration and size protection to cover the transition period to alternative suppliers.
When components stop arriving, your production doesn't gradually slow down — it stops. Protection provides bridge capital to cover fixed costs during the gap.
You have delivery commitments to customers that you can't fulfill if your supply chain breaks. Protection helps cover penalties, expediting costs, and relationship damage.
BY INDUSTRY
TSMC, UMC, and other Taiwan foundries supply 90% of advanced chips. Distributors with committed customer orders face immediate fulfillment risk if sourcing is disrupted.
FDA-approved devices with Taiwan-sourced components can't be quickly re-sourced. Alternative suppliers require new regulatory filings — a process measured in years, not months.
Battery cells, power electronics, and motor controllers with Asia-Pacific sourcing face concentration risk as geopolitical tensions escalate.
Smartphones, laptops, networking equipment — if it has a chip, it probably passed through Taiwan. Disruption affects the entire category simultaneously.
ADAS sensors, infotainment systems, and ECUs rely on foundry capacity concentrated in one region. Production shutdowns propagate across assembly lines.
PLCs, sensors, and control systems with specialized semiconductor content face long replacement cycles. Downtime during a disruption is measured in quarters, not weeks.
Supply chain insurance — if you can get it — requires proof of actual loss and covers specific named perils like fire or flood at a supplier's facility. It does not cover political events like blockades, sanctions, or trade cutoffs. Our protection triggers on a specific published event — no loss adjustment, no claims process.
Protection is tied to specific, publicly verifiable events. When the trigger event occurs, settlement is automatic based on published data. You don't need to prove you lost money — the event itself triggers the payout.
If any single country represents more than 40–50% of a critical component's supply, you have concentration risk worth assessing. Even diversified supply chains often have hidden single points of failure. The free assessment will identify them.
Coverage is sized to your specific exposure. For a typical mid-market electronics importer, protection starts at a few hundred dollars for meaningful coverage. The free assessment will show you exact numbers for your situation.
Then you've paid a small, known cost for certainty during an uncertain period. Financial protection works like any other business hedge — you hope you don't need it, but you're glad it's there if you do.
We'll quantify your exposure and design protection. Free assessment, no commitment.