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Best of · Arbitrum · Updated

The best Insurance dApps on Arbitrum in 2026

We track 6 Insurance dApps that run on Arbitrum and have reviewed 3 of them in full. Our top pick is Cover Protocol. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    Cover Protocol logo

    Cover Protocol

    Insurance · Ethereum, Base, Arbitrum

    Cover Protocol’s listed website now presents OpenCover, a marketplace for onchain cover against risks such as protocol hacks and stablecoin depegs. The product is active, but check each policy’s terms and underwriter before relying on it.

    Read the Cover Protocol reviewVisit Cover Protocol(opens in a new tab)
    ScoreScore 6.2 out of 10
    TVL $481K−0.0%
  2. 2
    Ante Finance logo

    Ante Finance

    Insurance · Ethereum, BNB Chain, Avalanche +5

    Ante Finance lets developers define onchain tests for smart contracts and stake or challenge ETH against live invariants. Its test-based approach is distinctive, but the operating terms and audit details need closer scrutiny.

    Read the Ante Finance reviewVisit Ante Finance(opens in a new tab)
    ScoreScore 5.3 out of 10
    TVL $459K+0.1%
  3. 3
    Risk Harbor logo

    Risk Harbor

    Insurance · Arbitrum, Ethereum, Optimism +6

    Risk Harbor is a DeFi risk marketplace that uses automated invariant detection to protect liquidity providers and stakers from smart contract failures. Its footprint is now tiny, so treat it with caution.

    Read the Risk Harbor reviewVisit Risk Harbor(opens in a new tab)
    ScoreScore 4.8 out of 10
    TVL $14.9K−0.0%
  4. 4
    InsureDAO logo

    InsureDAO

    Insurance · Ethereum, Arbitrum, Astar +1

    InsureDAO is a DeFi insurance protocol built around peer-to-pool markets and underwriting. Its basic purpose is clear, but current cover, claim terms, and fees are not established.

    Read the InsureDAO review
    ScoreNot rated yet
    TVL $124K0.0%
  5. 5
    Marquee logo

    Marquee

    Insurance · Arbitrum

    Marquee is described as both a decentralized insurance protocol and an AI football scouting platform. Its product identity and how users would interact with it remain unclear.

    Read the Marquee reviewVisit Marquee(opens in a new tab)
    ScoreNot rated yet
    TVL $1.62K−0.0%
  6. 6
    Neptune Mutual logo

    Neptune Mutual

    Insurance · Ethereum, Arbitrum, BNB Chain

    Neptune Mutual is a parametric DeFi insurance protocol designed to pay cover holders when a defined incident trigger is met. Its website currently returns an application error, so current availability and the process for buying cover are unclear.

    Read the Neptune Mutual reviewVisit Neptune Mutual(opens in a new tab)
    ScoreNot rated yet
    TVL $0

Insurance dApps on Arbitrum: the numbers

Tracked
6
Reviewed
6
Total TVL
$1.08M
Avg. score
5.4/10

DappsAtlas tracks 6 insurance dApps on Arbitrum. Every one of them has a full review. The 5 that report TVL hold $1.08M between them, counting value on every chain they support. Cover Protocol is the clear leader, holding 45% of it.

By value locked, the largest insurance dApps on Arbitrum are Cover Protocol ($481K), Ante Finance ($459K) and InsureDAO ($124K). On DappsAtlas scores, Cover Protocol ranks first at 6.2/10, ahead of Ante Finance (5.3) and Risk Harbor (4.8). That makes Cover Protocol both the biggest and the best-rated. The 3 rated insurance dApps average 5.4/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Ethereum (5), Optimism (3) and BNB Chain (2). Over the last seven days, combined TVL was roughly flat (+0.0%).

Largest by TVL

  1. 1Cover Protocol logoCover Protocol$481K
  2. 2Ante Finance logoAnte Finance$459K
  3. 3InsureDAO logoInsureDAO$124K
  4. 4Risk Harbor logoRisk Harbor$14.9K
  5. 5Marquee logoMarquee$1.62K

Highest rated

  1. 1Cover Protocol logoCover Protocol6.2
  2. 2Ante Finance logoAnte Finance5.3
  3. 3Risk Harbor logoRisk Harbor4.8

Method

How we ranked them

Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.

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Frequently asked questions

What is the largest insurance dApp on Arbitrum by TVL?

Cover Protocol is the largest insurance dApp on Arbitrum by total value locked, with $481K across all the chains it supports. It is followed by Ante Finance ($459K) and InsureDAO ($124K). TVL figures come from DefiLlama and change daily.

Which insurance dApp on Arbitrum has the highest DappsAtlas score?

Cover Protocol has the highest score at 6.2/10, ahead of Ante Finance (5.3) and Risk Harbor (4.8). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many insurance dApps on Arbitrum has DappsAtlas reviewed?

DappsAtlas tracks 6 insurance dApps on Arbitrum. Of these, 6 have a full review and 5 report value locked, $1.08M in total, counting value on every chain they support.

What is the average score for insurance dApps on Arbitrum?

The 3 rated insurance dApps on Arbitrum average 5.4 out of 10. Of these, 0 score 8 or higher and 1 score below 5.