Digital-asset insurance brokerage · Toronto
Insurance for the keys, the code and the money in between.
Admiral Insurance Canada protects individuals and businesses — international bank-to-bank transfers in transit, custody risk, hot-wallet theft, smart-contract failure, validator slashing, exchange insolvency, and the liabilities that come with operating crypto in Canada.
Coverage at a glance
Seven lines, each built around a real failure mode.
Custody & Cold Storage
Loss, theft or destruction of private keys and backup material.
Limit: Maximum available limit CAD 50 million, subject to underwriting
Read the detail →Main exclusions
- Market value decline
- Keys stored in plaintext online
- Loss by an authorised key holder acting in bad faith (unless crime cover applies)
Hot Wallet & Exchange Exposure
Balances on third-party venues, exchange insolvency and hack-related loss.
Limit: Maximum available limit CAD 10 million, subject to underwriting
Read the detail →Main exclusions
- Trading losses
- Venues not named in the schedule
- Voluntary participation in yield products
Smart Contract & Protocol Risk
Exploits, oracle failure, bridge failure and governance attacks.
Limit: Maximum available limit CAD 25 million, subject to underwriting
Read the detail →Main exclusions
- Unaudited contracts
- Economic design failure without an exploit
- Loss from rug pulls by insiders
Validator & Staking Risk
Slashing penalties, downtime penalties and unbonding-period loss.
Limit: Maximum available limit CAD 15 million, subject to underwriting
Read the detail →Main exclusions
- Reward volatility
- Penalties from protocol-wide failure
- Unmonitored infrastructure
Swift & International Transfer Risk
International bank-to-bank transfers for individuals and businesses — cover while your money is in transit.
Limit: Maximum available limit CAD 20 million, subject to underwriting
Read the detail →Main exclusions
- Lawful seizure and sanctions blocking
- Authorised transfers knowingly instructed
- Counterparty credit risk
Business Liability
Professional indemnity, cyber, D&O, crime and social-engineering fraud.
Limit: Maximum available limit CAD 30 million, subject to underwriting
Read the detail →Main exclusions
- Fines where uninsurable by law
- Known circumstances before inception
- Deliberate wrongful acts
Key Person & Operational Continuity
Loss of a critical individual, multisig succession gaps, business interruption.
Limit: Maximum available limit CAD 10 million, subject to underwriting
Read the detail →Main exclusions
- Pre-existing medical conditions
- Undocumented multisig arrangements
- Voluntary resignation without notice period
Not sure which applies?
Take the 12-question risk self-assessment.
Start assessment
How a claim moves
Three steps, described honestly.
- 1
Notify
Call the claims line or use the portal as soon as you suspect a loss. Preserve wallet addresses, transaction hashes and every message from the platform involved.
- 2
Investigate
An adjuster with digital-asset experience reviews the facts, appoints blockchain forensics where needed, and tells you which policy terms are in play.
- 3
Decide
The insurer issues a written decision against the policy wording. If you disagree, our complaints procedure and the insurer's ombudsman route remain open to you.
- Independent brokerage — risks placed with third-party insurers
- Exclusions shown as clearly as cover
- Privacy handled under PIPEDA and Quebec Law 25
- Controls assessed before premiums are discussed
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Specialist coverage lines
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Provinces and territories we plan to serve
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Claims line answered, every day
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Underwriting controls we assess
In their words
“They asked better questions about our key ceremony than our own auditors did. The schedule we submitted was sharper for it.”
Testimonials are shown by role and city only. Illustrative of the conversations we have with prospective clients.
Coverage basics
About us
Map your exposure in one conversation.
A broker will walk through where your assets sit and what is — and is not — insurable.