Insurance for Blockchain Companies

This policy protects the personal assets of directors and officers from lawsuits and regulatory actions alleging management misconduct. Coverage includes defense costs, settlements, and judgments arising from alleged wrongful acts like breach of fiduciary duty, securities violations related to token offerings, or non-compliance with evolving data privacy and AML regulations. Given the governance uncertainty and fluid regulatory landscape surrounding DAOs and blockchain enterprises, D&O is essential for recruiting and retaining experienced leadership by shielding their personal wealth.

E&O protects your company against claims of financial loss by a client or third party caused by a professional mistake, negligence, or the failure of your core technology product or service. This is the primary coverage for lawsuits arising from code defects, smart contract vulnerabilities, or flaws in your DLT architecture that result in unrecoverable transactional loss or operational harm to a client. It provides the financial defense necessary for businesses developing and implementing complex, immutable software.

This policy is crucial for covering both your company’s direct costs (first-party) and liability to others (third-party) following a network breach or security failure. First-party coverage handles forensics, incident response, data restoration, and business interruption costs. Third-party coverage addresses regulatory fines and liability claims resulting from compromised client data or unauthorized system access. Cyber Liability is mandatory for protecting the core DLT infrastructure from the operational fallout of a successful attack.

Protects the business against financial loss arising from fraudulent human activity that targets the company’s financial controls, including employee dishonesty (insider theft or embezzlement), forgery, and social engineering attacks that trick staff into transferring corporate fiat or digital funds. This policy is essential for shielding the company’s balance sheet from internal and external criminal acts common to any financial or technology firm.

This specialized policy directly addresses the risk of loss or theft of the digital property itself—that is, cryptocurrencies, tokenized assets, or corporate treasury funds held on-chain. It covers financial losses due to external hacking, unauthorized access to hot or cold wallets, and the destruction or loss of cryptographic keys. It provides the high capacity needed to replace stolen assets and restore faith in the platform after a security event.

This highly specialized coverage is for businesses that provide institutional-grade custody services for digital assets. It focuses on the risks associated with the physical management of cryptographic material (private keys, seed phrases, or hardware devices) stored offline in vaults or secure facilities. Specie coverage is vital for custodians and key managers, as it addresses the unique intersection of physical security risks (like theft or destruction of hardware) and the resulting digital asset loss.