Best of · Ethereum · Updated
The best Insurance dApps on Ethereum in 2026
We track 16 Insurance dApps that run on Ethereum and have reviewed 10 of them in full. Our top pick is Easedefi.org. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Easedefi.org
Insurance · Ethereum
Ease is an on-chain DeFi coverage protocol with two live products, stNXM and Uninsurance, plus a vault product in development. It suits users who understand that coverage here is mutual or capital-at-risk, not a fixed-payout policy.
ScoreScore 6.8 out of 10TVL $4.86M+30.8% - 2
Ensuro
Insurance · Ethereum, Polygon
Ensuro is a blockchain-based (re)insurance capital provider that lets investors supply capital to insurance risk and lets companies buy embedded coverage. It is a niche, real-world-risk product with small TVL and limited published detail.
ScoreScore 6.5 out of 10TVL $2.40M+6.8% - 3
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.
ScoreScore 6.2 out of 10TVL $481K−0.6% - 4
Nexus Mutual
Insurance · Ethereum
Nexus Mutual is a decentralized, member-run cover provider on Ethereum for losses from smart contract hacks and custody failures. It works as an alternative to conventional insurance, with claims decided by token-holding members rather than an insurer's claims team.
ScoreScore 5.8 out of 10TVL — - 5
re Protocol
Insurance · Ethereum
Re Protocol is an Ethereum-based marketplace that routes stablecoin capital into collateralized reinsurance, with RE as its governance token. The idea is clear, but fees, audits and yields are not published in the sources reviewed.
ScoreScore 5.8 out of 10TVL — - 6
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.
ScoreScore 5.3 out of 10TVL $455K−1.1% - 7
Unslashed
Insurance · Ethereum
Unslashed is an Ethereum-based decentralized insurance protocol for crypto risks, including smart-contract exploits, exchange failures, validator slashing and stablecoin depegs. Its broad coverage concept is clear, but current products, terms and claims procedures are not.
ScoreScore 5.2 out of 10TVL $3.31M−0.8% - 8
Lunos
Insurance · Ethereum, BNB Chain, Kava
Lunos started as an on-chain insurance protocol and now presents itself as a compliance-first chain built on Syscoin's zk-rollup stack. It is a project in transition with little public data on the new chain.
ScoreScore 5.0 out of 10TVL $39.8K−0.3% - 9
Bridge Mutual
Insurance · Ethereum, BNB Chain, Polygon
Bridge Mutual is a peer-to-peer, discretionary cover platform for crypto assets and protocols, live on Ethereum, BNB Chain and Polygon. Its pool is now small, so treat it as a niche, higher-risk way to hedge rather than reliable insurance.
ScoreScore 4.8 out of 10TVL $56.4K+0.3% - 10
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.
ScoreScore 4.8 out of 10TVL $14.9K+0.1% - 11
iTrust Finance
Insurance · Ethereum
iTrust Finance is described as a DAO-oriented project connecting stakers with insurance protocols to expand cover capacity. Its operating details and connection to a separate iTrustCapital help center are unclear.
ScoreNot rated yetTVL $467K−0.1% - 12
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.
ScoreNot rated yetTVL $124K+0.1% - 13
Cozy V1
Insurance · Ethereum
Cozy V1 is an Ethereum protocol for automated, trust-minimized DeFi protection markets, presented as a Safety Module for vault depositors. Its broad purpose is clear, but key details about coverage, claims, fees and audits are not published.
ScoreNot rated yetTVL $68.3K+0.2% - 14
Nsure
Insurance · Ethereum
Nsure is listed as an Ethereum insurance project with an NSURE token, but its current website presents nSure.ai as a business payment-fraud prevention service. The relationship between the two is unclear, so readers should not assume the website describes the onchain project.
ScoreNot rated yetTVL $25.5K+5.4% - 15
Neptune Mutual
Insurance · Ethereum, Arbitrum, BNB Chain
Neptune Mutual describes a parametric insurance protocol that pays policyholders when a covered incident meets defined conditions. Its current availability and coverage details are unclear.
ScoreNot rated yetTVL $0 - 16
Neptune Mutual
Insurance · Ethereum
Neptune Mutual is a parametric crypto insurance protocol built for Ethereum, with its own NPM token. Public sources agree on the basic model but say little about how claims are assessed or how much cover is currently available.
ScoreNot rated yetTVL —
Insurance dApps on Ethereum: the numbers
- Tracked
- 16
- Reviewed
- 16
- Total TVL
- $12.3M
- Avg. score
- 5.6/10
The DappsAtlas index lists 16 insurance dApps on Ethereum. Every one of them has a full review. The 12 that report TVL hold $12.3M between them, counting value on every chain they support. Easedefi.org is the clear leader, holding 40% of it. The top five account for 94%, while the median insurance dApp holds $124K.
By value locked, the largest insurance dApps on Ethereum are Easedefi.org ($4.86M), Unslashed ($3.31M) and Ensuro ($2.40M). The best-rated is Easedefi.org with 6.8/10, followed by Ensuro (6.5) and Cover Protocol (6.2). That makes Easedefi.org both the biggest and the best-rated. The 10 rated insurance dApps average 5.6/10, and none scores 8 or above yet.
Beyond Ethereum, these insurance dApps most often also run on Arbitrum (5), Polygon (4) and BNB Chain (4). All 8 with a confirmed status are active. Over the last seven days, combined TVL rose 11.4%. Easedefi.org gained the most (+30.8%), while Unslashed dropped the most (−0.8%).
Largest by TVL
- 1
Easedefi.org$4.86M
- 2
Unslashed$3.31M
- 3
Ensuro$2.40M
- 4
Cover Protocol$481K
- 5
iTrust Finance$467K
Highest rated
- 1
- 2
- 3
- 4Nexus Mutual5.8
- 5re Protocol5.8
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 Ethereum by TVL?
Easedefi.org is the largest insurance dApp on Ethereum by total value locked, with $4.86M across all the chains it supports. It is followed by Unslashed ($3.31M) and Ensuro ($2.40M). TVL figures come from DefiLlama and change daily.
Which insurance dApp on Ethereum has the highest DappsAtlas score?
Easedefi.org has the highest score at 6.8/10, ahead of Ensuro (6.5) and Cover Protocol (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many insurance dApps on Ethereum has DappsAtlas reviewed?
DappsAtlas tracks 16 insurance dApps on Ethereum. Of these, 16 have a full review and 12 report value locked, $12.3M in total, counting value on every chain they support.
Which insurance dApps on Ethereum grew the most this week?
Among insurance dApps with at least $1M locked, Easedefi.org had the biggest 7-day TVL gain (+30.8%) and Unslashed the biggest drop (−0.8%). Combined TVL moved +11.4% over the same seven days.
What is the average score for insurance dApps on Ethereum?
The 10 rated insurance dApps on Ethereum average 5.6 out of 10. Of these, 0 score 8 or higher and 2 score below 5.