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Who insures it · 3 named markets · read 2026-10-28

Who insures Crypto and blockchain companies?

Crypto and blockchain companies is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write Crypto and blockchain companies: Relm Insurance, Vouch, Canopius. 2 E&S carriers, 1 MGA. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Relm Insurance
E&S carrier		Digital Asset & Web3 coverage for digital wallet and blockchain platform operators, DeFi lending protocols, algorithmic stablecoin platforms and Layer-2 projects: custody breaches/theft and private-key exposure, regulatory fines, smart-contract failure, depeg events and bridge exploits. Bermuda-regulated carrier that deals only through licensed brokers.
“Relm specializes providing insurance protection for the digital asset ecosystem.”		not statedSurplus linesrelminsurance.com · read 2026-10-28
Vouch
MGA		D&O, cyber, E&O and crime for crypto-native and Web3 companies, with policies tailored to blockchain, token and custody risks (smart-contract vulnerabilities, DAOs); insurance services provided by Vouch Specialty Insurance Services, LLC.
“Vouch is underwriting Web3 companies with policies broadened to cover smart contract vulnerabilities, DAO's, crypto and more.”		not statednot statedvouch.us · read 2026-10-28
Canopius
E&S carrier		Digital asset insurance: custody cover for custodians and exchanges (employee/third-party theft, extortion, fraudulent transfer instructions, computer fraud, loss of private key material), mining-hardware property for mine operators, and NFT digital art for collectors. Lloyd's/global specialty insurer with a US company; page states no US detail.
“In the fast-paced and volatile world of crypto, Canopius is here to provide essential digital asset insurance for clients.”		not statednot statedcanopius.com · read 2026-10-28

Relm and Canopius are non-US-domiciled carriers (Bermuda; Lloyd's/global) and their pages state no US states. Evertas returned 403; Breach (getbreach.ai) is a pre-launch intermediary with no crypto content; Chainproof's site is a JS app with no readable text; Embroker has no crypto page (404); Beazley, AXA XL, Chubb and Amwins pages name no digital-asset product; Kinsale names cryptocurrency only as a law-firm specialty. The shared WebSearch budget was exhausted this turn, so candidates came from the assigned list and were verified by direct WebFetch only; several domain safety checks were rat

How Crypto and blockchain companies gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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