SIPC
Disclosure.
Last Updated: February 2026
$500,000
Total SIPC Protection Per Account
$250,000
Cash Protection Sublimit
SIPC Member
Clearing Firm Status
1. What Is SIPC?
The Securities Investor Protection Corporation (SIPC) is a nonprofit membership organization created under the Securities Investor Protection Act of 1970. SIPC protects customers of SIPC-member broker-dealers in the event that the firm fails financially.
SIPC protection is not insurance against market losses. It specifically protects customers against the loss of cash and securities held at a failed SIPC-member brokerage firm — not against declines in the market value of investments.
2. Coverage Limits
SIPC provides the following coverage for customers of member firms:
Total Coverage
Up to $500,000 per customer account for securities and cash combined.
Cash Sublimit
Up to $250,000 for cash claims within the total $500,000 limit.
Eligible Assets
Stocks, bonds, notes, warrants, and other securities. SIPC does not protect commodity futures contracts, currency, or fixed annuities.
Account Types
Each separate account type — individual, IRA, joint — may qualify for its own $500,000 protection limit.
3. What SIPC Does Not Cover
SIPC protection has important limitations. The following are not covered:
4. How to File a SIPC Claim
If a SIPC-member broker-dealer fails, SIPC typically applies to a federal court to appoint a trustee to handle the firm's liquidation. The trustee will notify customers and provide claim forms. Most customers receive their assets within one to three months.
For more information about SIPC and your coverage, visit www.sipc.org or call SIPC at (202) 371-8300.
Questions About Account Protection?
Contact our support team to learn more about how your assets are protected at Orchard Capitals. We are committed to full transparency about the safeguards in place for your investments.
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Orchard Capitals partners with SIPC-member clearing firms to protect your securities up to $500,000.
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