--- title: "Does Cyber Insurance Cover Cryptocurrency Theft?" description: "Sometimes, but do not assume a policy covers stolen cryptocurrency holdings." canonical: "https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-cryptocurrency-theft" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "cyber" question: "does-cyber-insurance-cover-cryptocurrency-theft" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-cryptocurrency-theft) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Cyber Insurance Cover Cryptocurrency Theft?" within the Cyber FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Cyber Insurance Cover Cryptocurrency Theft? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Cyber FAQ](https://thegeneralaverage.com/insurance-faq/cyber) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Cyber Insurance Cover Ransom Payments?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransom-payments) — related question - [Does Cyber Insurance Cover Wire Fraud?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-wire-fraud) — related question - [What Doesn’t Cyber Insurance Cover?](https://thegeneralaverage.com/insurance-faq/cyber/what-doesnt-cyber-insurance-cover) — related question - [Does Cyber Insurance Cover Ransomware?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransomware) — related question - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) — related coverage guide - [Crime](https://thegeneralaverage.com/coverage/crime) — related coverage guide # Does Cyber Insurance Cover Cryptocurrency Theft? 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. ## More Questions About Cyber Insurance - [Does Cyber Insurance Cover Ransom Payments?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransom-payments) - [Does Cyber Insurance Cover Wire Fraud?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-wire-fraud) - [What Doesn’t Cyber Insurance Cover?](https://thegeneralaverage.com/insurance-faq/cyber/what-doesnt-cyber-insurance-cover) - [Does Cyber Insurance Cover Ransomware?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransomware) ## Coverage Guides Related to Cyber Insurance - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) - [Crime](https://thegeneralaverage.com/coverage/crime) ## Sources for This Answer 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. 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