加密资产保险市场（2026—2031）
加密资产保险市场规模预计由2026年的3.9亿美元增至2031年的11.7亿美元，预测期复合年增长率为24.56%。北美是当前最大市场，亚太地区增长最快。
市场研究正文
规模、增长、细分、驱动因素与关键问题
当前质量分 100.00，审核状态 accepted。结构化字段已按 RoboInd 内容层级组织。
核心结论
加密资产保险市场规模预计由2026年的3.9亿美元增至2031年的11.7亿美元，预测期复合年增长率为24.56%。北美是当前最大市场，亚太地区增长最快。
市场走势
结构化指标
| 指标 | 年份 | 数值 | 性质 |
|---|---|---|---|
| 复合年增长率 | 2031 | 24.56% | 机构预测 |
| 市场规模 | 2026 | USD 0.39 billion | 机构预测 |
| 市场规模 | 2031 | USD 1.17 billion | 机构预测 |
细分市场份额
市场结构
| 维度 | 细分项 | 年份 | 份额 |
|---|---|---|---|
| coverage_type | crime, fidelity, and specie insurance | 2025 | 42.400% |
| distribution_channel | brokers and specialty intermediaries | 2025 | 54.700% |
| end_user | qualified custodians and digital-asset wallet and custody providers | 2025 | 31.200% |
| geography | North America | 2025 | 41.100% |
| insurance_model | traditional centralized and regulated insurance | 2025 | 68.300% |
| insured_asset_and_exposure | cryptocurrencies | 2025 | 59.100% |
关键结论
- coverage_type 维度中，crime, fidelity, and specie insurance 在 2025 年的公开份额为 42.4%。
- distribution_channel 维度中，brokers and specialty intermediaries 在 2025 年的公开份额为 54.7%。
- end_user 维度中，qualified custodians and digital-asset wallet and custody providers 在 2025 年的公开份额为 31.2%。
- geography 维度中，North America 在 2025 年的公开份额为 41.1%。
- insurance_model 维度中，traditional centralized and regulated insurance 在 2025 年的公开份额为 68.3%。
- insured_asset_and_exposure 维度中，cryptocurrencies 在 2025 年的公开份额为 59.1%。
主要参与者
- Lloyd’s of London syndicate market
- Evertas
- Canopius Group
- Nexus Mutual
- Chubb Limited
增长驱动因素
| 因素 | 影响 CAGR | 地区相关性 | 影响周期 |
|---|---|---|---|
| Growing Institutional Adoption of Digital Assets | +6.000% | Global, with concentrated early gains in North America and Europe | Medium term (2-4 years) |
| Rising Demand for Custody, Exchange, and Digital-Asset Liability Coverage | +5.000% | North America and Europe, with spillover to core Asia-Pacific markets | Medium term (2-4 years) |
| DeFi and Tokenized Asset Expansion | +4.500% | Global, led by Asia-Pacific and North America | Long term (≥ 4 years) |
| Rising Crypto Theft, Cyberattacks, and Smart-Contract Exploits | +5.000% | Global | Short term (≤ 2 years) |
| Embedded Insurance Across Digital-Asset Platforms | +3.500% | Asia-Pacific and North America, with emerging European demand | Medium term (2-4 years) |
| Improved Crypto Risk Analytics and Specialist Underwriting | +3.000% | North America and Europe, with progressive adoption in Asia-Pacific | Medium term (2-4 years) |
市场制约因素
| 因素 | 影响 CAGR | 地区相关性 | 影响周期 |
|---|---|---|---|
| Limited Historical Loss Data and Risk-Modeling Uncertainty | -2.000% | Global | Medium term (2-4 years) |
| Limited Underwriting Capacity for High-Risk Crypto Exposures | -1.500% | Global | Medium term (2-4 years) |
| High Premium Costs and Restrictive Coverage Terms | -1.000% | Asia-Pacific and the Middle East and North Africa, with spillover to emerging markets | Short term (≤ 2 years) |
| Broad Exclusions for Market Losses, User Error, and Systemic Failures | -1.000% | Global | Medium term (2-4 years) |
报告关注的关键问题
What is the projected size of the Crypto Insurance Market by 2031?
The Crypto Insurance Market is projected to reach USD 1,174.9 million by 2031, growing at a 24.6% CAGR from 2026 to 2031. This growth reflects rising demand for custody, cyber, and liability protection among institutional and regulated digital-asset participants.
Which coverage type has the largest share in crypto insurance?
Crime, fidelity, and specie insurance led with 42.4% of revenue in 2025 because custodians and exchanges need protection against theft and dishonesty. It remains the main coverage class for institutional custody operations and treasury risk management.
What is driving demand for digital-asset insurance?
Institutional adoption, custody and liability requirements, cyber losses, tokenized assets, and embedded platform distribution are key demand factors. These factors are increasing the need for more formal risk-transfer arrangements across exchanges, custodians, and protocol operators.
Which insurance model is growing fastest for digital assets?
Decentralized and on-chain mutual and cover protocols are projected to grow at a 36.3% CAGR between 2026 and 2031. The model uses smart-contract-based pooling and community governance to provide alternatives for risks outside conventional wording.
Which region leads crypto insurance demand?
North America led with 41.1% of revenue in 2025, supported by institutional capital, specialist capacity, and regulatory developments. Its co-insurance structures also help assemble larger placements for established exchanges and custodians.
Why is crypto insurance capacity limited?
Limited historical claims data, large loss events, reinsurance constraints, and restrictive terms continue to limit available underwriting capacity. These factors make high-risk placements more difficult to structure and sustain at larger limits.
市场概览
- 增长最快市场：亚太地区
- 最大市场：北美
- 市场集中度：低
查看来源：Mordor Intelligence