Crypto Insurance Reimagined
Comprehensive policy options for digital asset protection. Secure your custody, exchange, and smart contract failure risks with industry-leading coverage.
Detailed Policy Breakdown
Deep dive into our core offerings and coverage mechanics.
Digital Custody Insurance
Covers physical theft of private keys, internal collusion, and cyber-breaches of cold/hot storage environments.
- Scope: Private key loss or theft.
- Exclusions: Market volatility, speculative loss.
- Ideal For: Exchanges, family offices.
Exchange Breach Coverage
Protection against third-party exchange failures, hacks, or sudden liquidity freezes affecting client funds.
- Scope: External platform hacks.
- Exclusions: Unregulated exchanges.
- Ideal For: Active traders, hedge funds.
Smart Contract Failure
Specialized coverage for DeFi protocols and DAO structures against logic bugs and governance attacks.
- Scope: Protocol exploits/hacks.
- Exclusions: Rug pulls, dev-abandonment.
- Ideal For: DeFi users, protocol treasuries.
Custodian Professional Liability
Protects digital asset fiduciaries against claims of negligence, errors, or omissions in management.
- Scope: Professional negligence.
- Exclusions: Intentional criminal acts.
- Ideal For: Asset managers, custodians.
Coverage Limits & Pricing Tiers
| Policy Tier | Coverage Limit | Deductible | Term Length | Premium Range |
|---|---|---|---|---|
| Retail Shield | Up to $250k | 1% of Limit | 12 Months | $1,200 - $2,500 /yr |
| Professional Pro | Up to $5M | 0.5% of Limit | 12-24 Months | $15,000 - $45,000 /yr |
| Institutional Core | Up to $50M | Negotiable | Annual Renewal | Bespoke Underwriting |
| Enterprise Custom | $100M+ | Structured | Multi-Year | Quote on Request |
Eligibility & Claims Process
Eligibility Check
Submit KYC/AML and technical audit reports for initial review.
Underwriting
Risk assessment of storage protocols and contract security.
Onboarding
Policy issuance and integration with monitoring systems.
Filing a Claim
24/7 incident reporting with 48h initial validation.
Policy Terms & Key Conditions
Coverage Period
Standard 12-month terms with automatic renewal options subject to re-audit.
Jurisdiction
Global coverage excluding sanctioned territories and OFAC restricted zones.
Major Exclusions
Losses due to market fluctuations, regulatory seizures, or user error (lost seeds).
Audit Requirements
Annual SOC2 Type II or equivalent security audit mandatory for renewals.
Eligibility Criteria
Minimum assets under management or 12 months operational history required.
Renewal Conditions
Premium adjustments based on storage volume and incident history.
Risk Stats & Rationale
Why crypto insurance is no longer optional for serious market participants.
Total Hacks (2023)
Record losses in DeFi and exchange hacks globally.
Protocol Exploits
Failure vectors tied directly to smart contract vulnerabilities.
Recovery Rate
Only 1% of stolen assets are typically recovered without insurance.
Mitigation Success
Insured entities resume operations 5x faster post-breach.
Response Window
Average time for an exploit to drain protocol liquidity.
Trust Score
Increase in user confidence for insured platforms.
FAQ & Support
What documentation is required for eligibility?
Applicants must provide proof of entity registration, a detailed technical architecture overview, recent smart contract audits from reputable firms, and current KYC/AML procedure documentation.
Does the policy cover rug pulls or insider fraud?
Standard policies exclude "rug pulls" or intentional developer abandonment. However, our Institutional Tier can be extended to include internal collusion and employee fidelity coverage under specific underwriting conditions.
How are premiums calculated for DeFi protocols?
Premiums are based on Total Value Locked (TVL), the complexity of the smart contracts, the history of audits, and the specific risk profile of the underlying assets within the protocol.
What is the expected timeline for a claim payout?
Once an incident is verified, initial emergency liquidity can be released within 72 hours. Full settlement typically occurs within 15-30 days following a comprehensive forensic investigation.
Need a bespoke solution?
Ready to Secure Your Future?
Request a tailored quote or speak directly with one of our expert underwriters to find the perfect coverage for your digital assets.
