---
title: "Crypto and Digital Asset Insurance"
description: "Crypto and digital asset insurance with Spot: custody, wallets and key controls mapped, and proposals compared on insured entity, theft, key loss and valuation."
canonical: "https://spot.insure/insurance/digital-assets"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/digital-assets)

## Agent Guide

**What this page is:** Crypto and digital asset insurance with Spot: custody, wallets and key controls mapped, and proposals compared on insured entity, theft, key loss and valuation.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Spot for Crypto and Digital Asset Insurance

Get quotes from digital asset insurance providers with Spot.

We map your wallets and custody setup for brokers, line up digital asset quotes and help you choose the one that fits how you hold assets.

- Wallets, keys and insured entities mapped before you quote
- Outside theft, employee theft and key loss asked about one by one
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=digital-assets). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **Tell us who holds your assets and keys.** Your Spot team maps the assets you own and hold for customers, your wallets and storage arrangements, who controls the keys and approves transfers, the legal entities involved and the outside technology you rely on.
2. **See which losses each quote covers.** Brokers take the submission to insurers that write digital asset risks, and we ask how each proposal treats outside theft, employee theft and lost or destroyed keys, along with its valuation method, currency and limit.
3. **Check whether your custodian’s insurance covers you.** Send what your custodian says about its insurance. Spot asks whether you’re insured directly or the policy protects the custodian, and how your loss would be handled.
4. **Keep your wallet and custodian list current.** Wallets, entities and custodians change. Spot keeps your custody map with your policies and brings it forward at renewal, so you can check what’s insured against what you hold.

## Who we help

- **Companies holding digital assets of their own.** Your assets sit in wallets you or a custodian control, and the policy has to say which of them it addresses.
- **Platforms holding assets for customers.** A loss can reach assets others have entrusted to you, so the quote needs to tell them apart from your own.
- **Custody providers.** You safeguard assets and keys for others, and claims about your services are a separate exposure from the assets themselves.
- **Businesses relying on a third-party custodian.** Your custodian’s insurance may protect the custodian rather than you.

## When to get this coverage

- **You’re taking custody of customer assets.** Separate customer holdings from your own before you quote, and ask how the policy tells them apart.
- **You’re moving to a new custodian or wallet setup.** Check the new arrangement against the wallets, storage methods and insured entity the policy names.
- **Your custodian says it’s insured.** Find out whose loss that policy pays before you rely on it for your own holdings.
- **Your asset values have moved.** Compare the limit with current values using the policy’s valuation method and currency. Custody or theft insurance doesn’t guarantee what the assets are worth.
- **You’ve added a legal entity.** A new entity holding or controlling wallets may not be the one named on the policy. Confirm which entity is insured.

## Common questions

Also known as digital asset insurance, crypto insurance, cryptocurrency insurance, crypto custody insurance, digital asset custody insurance and crypto wallet insurance.

### Does FDIC insurance cover cryptocurrency?

No. FDIC deposit insurance doesn’t insure cryptocurrency, so protection for assets you hold has to come from a policy written for them.

### Do our cyber or D&O policies cover assets in custody?

Not by default. Buying cyber, professional liability or D&O doesn’t establish that assets in your custody are insured. Spot compares those policies with your custody proposal to see where they overlap and where they don’t.

### Will a policy pay out if token prices fall?

Don’t count on it. Custody and theft insurance doesn’t guarantee asset value, and Spot asks how each contract treats market-price changes and code or network failures.

### Does a theft policy cover lost private keys?

Not necessarily. Lost or destroyed keys need their own check, apart from outside theft and employee theft. Spot asks brokers about each one.

### Our broker hasn’t placed a custody policy before. Can Spot still help?

Yes. Spot can work alongside your current broker, or help you move to one who places digital asset risks. Whichever broker places the policy, Spot works with them rather than replacing them, and takes no commissions on premiums.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/digital-assets.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)