List of Onchain Insurance companies in Web3 (2026)

Lulo Protected is a decentralized stablecoin yield product that allocates deposits across leading lending and yield protocols using a systematic, TVL- and rate-weighted methodology rather than discretionary management. Deposits are non-custodial and routed directly into whitelisted integrated protocols, with a built-in coverage layer that automatically compensates depositors at the smart-contract level if an integrated protocol suffers a loss, with no manual claims process. A separate first-loss tier called Boost earns higher yield with a lockup period in exchange for underwriting that coverage, and the platform charges a performance fee on generated yield.

Nami Insurance is an onchain insurance contracts that allow users to hedge price fluctuations of supported assets.

Nexus Mutual is a decentralized discretionary mutual deployed on Ethereum where members pool capital to provide and share risk coverage. Members purchase cover against smart contract exploits, oracle failures, governance attacks, liquidation failures, custody failure, and validator slashing across EVM-compatible networks. Available cover types include Single Protocol Cover, Multi Protocol Cover, DeFi Pass Cover, Native Protocol Cover, Fund Portfolio Cover, ETH Slashing Cover, Quota Share Cover, and Crypto Kidnap & Ransom Cover for physical security risks. Members stake NXM to underwrite cover capacity, earn a share of premiums, and participate in decentralized claims assessment. Capital pool assets, claims history, and cover purchases are transparent onchain.

Lunos Coverage Platform implements on-chain insurance contracts through EigenLayer's AVS operator network, enabling automated claim verification for smart contract exploits, stablecoin depegs, validator slashing, and real-world asset risks. The system deploys AI agent pipelines to assess claims off-chain and records validated outcomes on-chain via cryptographic proof aggregation across independent operators.

A DeFi cover aggregator for purchasing and managing onchain cover policies from vetted underwriters. Cover types include Protocol Cover (smart contract exploits, oracle manipulation, governance attacks), Stablecoin Depeg Cover, Yield Token Cover, Custody Cover, and multi-protocol bundles such as the Base DeFi Pass. Policies are issued as ERC-721 NFTs to user wallets and are valid across EVM-compatible chains. The platform also includes an industry data dashboard tracking TVL, active cover amounts, claims, and payouts across DeFi cover providers. No KYC is required to purchase cover.

A vault-native risk transfer primitive enabling DeFi vault depositors to activate cover by depositing vault shares, with premiums streaming directly from yield and automatic renewals. Any existing ERC-4626 tokenized vault can become coverable without modifying the underlying protocol or deposit flow. Built on an extended ERC-7540 standard and powered by Nexus Mutual underwriting with real-time onchain proof of solvency.

Ensuro Protocol implements decentralized reinsurance through smart contracts and liquidity pools, enabling parametric insurance underwriting with automated claims settlement. The system manages eTokens for capital provision while maintaining regulatory compliance through licensed operations.

Alton Risk is a commercial insurance brokerage serving technology companies including AI, crypto, and venture-backed startups. It places specialty coverage across multiple lines, including D&O, cyber, tech E&O, AI liability, EPL, crime/fidelity, and property, through E&S, Lloyd's of London, and Bermuda markets. The firm also designs captive insurance programs and offers risk hedging through prediction markets for exposures not covered by traditional policies.

Sentora DeFi Cover provides integrated protection mechanisms for institutional DeFi capital, offering coverage solutions that defend against protocol exploits, smart contract failures, and other onchain risks within Sentora's yield strategies.