---
title: "Does Cyber Insurance Cover Cryptocurrency Theft?"
description: "Sometimes, but do not assume a policy covers stolen cryptocurrency holdings."
canonical: "https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-cryptocurrency-theft"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Cyber Insurance Cover Cryptocurrency Theft?

Sometimes, but do not assume a policy covers stolen cryptocurrency holdings.

Sometimes, but do not assume a policy covers stolen cryptocurrency holdings. A policy may cover bitcoin used for a covered extortion payment, while wallet theft, exchange failure, or lost keys may be treated differently. For example, Chubb says its extortion expenses can include bitcoin and other cryptocurrencies, which concerns a covered extortion response under that product. That statement does not establish coverage for a wallet compromise, exchange failure, private-key loss, or theft of investment assets.

Ask whether the quote covers digital assets as property, money, securities, or only as an extortion payment. Review custody and wallet definitions, crime and computer-fraud endorsements, exclusions for voluntary transfers or market loss, territorial limits, and any sublimit. Check whether the insured entity owns the assets and whether third-party custodian failure is included. Obtain the relevant endorsement wording rather than relying on a product summary.

## Related Questions

- [Does Cyber Insurance Cover Ransom Payments?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-ransom-payments)
- [Does Cyber Insurance Cover Wire Fraud?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-wire-fraud)
- [What Doesn’t Cyber Insurance Cover?](https://spot.insure/insurance-faq/cyber/what-doesnt-cyber-insurance-cover)
- [Does Cyber Insurance Cover Ransomware?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-ransomware)

## Related Coverage

- [Cyber liability](https://spot.insure/coverage/cyber)
- [Crime](https://spot.insure/coverage/crime)

## Sources

1. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §§1–3, PDF pp.11, 14–18; Event Management §§1–2, PDF pp.19–20. Accessed 2026-09-25.
2. [Cyber insurance coverage & products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance coverage; First party coverage; Third-party liability coverage; Cyber crime (by endorsement); Products and services. Accessed 2026-09-25.

More answers: [Cyber Insurance FAQ](https://spot.insure/insurance-faq/cyber).

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