Native Review 2026: Crypto Insurance Broker for Digital Assets

Native is an insurance broker for crypto and emerging technologies. It helps crypto-native teams and financial institutions arrange cover for digital asset risks, including theft of private keys, smart contract exploits and infrastructure failures.

Unlike DeFi cover protocols that sell policies to wallet holders, Native works through advisers. Clients can take fully regulated Lloyd's-backed policies, onchain cover, or a blend. The site lists products from custody and cyber to kidnap and ransom, M&A and regulated DeFi insurance.

It names industries including DeFi, exchanges, custodians, layer 1s and layer 2s, mining, DePIN, NFTs and RWAs, gaming, AI, carbon credits and quantum computing. A CoinShares executive is quoted as praising the global process Native ran for its Nasdaq listing.

Native acts as an intermediary between clients and insurers. A business explains its risks, and Native works out where the cover can be placed, either with insurers in the regulated market, including Lloyd's-backed capacity, or in onchain structures.

For risks that traditional models cannot support, Native builds onchain solutions. It describes a facility for a decentralised AI network that was structured and secured in under a month. Regulated policies follow familiar insurance contracts, while onchain cover relies on smart contracts and onchain capacity.

Native also runs a Risk Collective that links premiums to security practice. Companies using vetted cybersecurity vendors may access terms from specialist Lloyd's underwriters. It also describes risk transfer for governments with large crypto balances, enabling infrastructure loans without moving the underlying assets.

Native does not publish fees, commissions or premium ranges on its homepage. Premiums depend on the risk, the insurer or onchain capacity used, and the cover limits, and are quoted by the team on request.

Native says one of its onchain facilities cost under $2 to process and transact. That refers to transaction cost on that facility, not premiums. Clients should ask for a clear breakdown of premium, broker compensation and any other charges.

Native is a broker, so the main safety questions concern the insurers and capacity providers behind each policy. For regulated products it points to Lloyd's-backed cover; for onchain products, protection depends on smart contracts and the structure of the facility. The homepage does not publish audits, regulatory registration numbers or claims history, so ask for these in writing.

Before buying, check policy wording, exclusions, limits, claims procedures and who carries the risk. This is general information, not insurance or financial advice.

Native is for crypto-native businesses, protocols, custodians, exchanges, miners and financial institutions that need formal insurance for digital asset operations. It is less suited to individuals looking for quick, self-serve wallet cover.