Best DeFi Insurance Companies 2025

Decentralized finance (DeFi) keeps growing quick alongside the risks that come with it. The total value locked across notable chains in 2025 is higher than ever. However, bridge attacks, hacks, and protocol failures happen almost every month. 

Anyone who uses DeFi has the fear of losing funds in seconds. This possibility cuts across what you’re doing, whether it’s staking, farming yield, swapping, or holding assets in a smart contract. 

Therefore, DeFi insurance has become more essential than before. These platforms offer security against the common on-chain risks, assisting users reduce losses when things go wrong. The downside is that the DeFi insurance space is crowded, and not all platforms are reliable. Some may look excellent on paper but find it challenging to pay out. 

If you’re looking for some of the trusted options concerning DeFi insurance, this article provides everything you need.

Key Takeaways

• DeFi insurance protects assets from de-pegs, hacks, and protocol failures across major chains.
• Always match your personal risks to the particular coverage each provider really offers.
• Providers with verified, real payouts are more reliable than platforms with unproven claim histories.
• Reading terms and conditions is significant because they show instances where your claim may not succeed. 

Leading DeFi Insurance Companies For 2025

DeFi insurance has become crucial as protocol failures and hacks remain common. This section highlights the top providers with proven track records of exceptional performance in 2025. 

1. Nexus Mutual

This platform is one of the longest-running DeFi insurance providers. It protects users from stablecoin de-pegs, smart contract hacks, and Block confirmer slashing. Nexus Mutual uses a shared pool of funds where members decide claims through voting. The platform has paid out many real claims in the past, making it one of the most reliable and securest options for people who want solid protection in DeFi. 

Pros

• Very trusted with a long track record.
• Covers several common DeFi risks.
• excellent history of real payouts.

Cons

• Claims require community voting.

2. InsurAce

InsurAce is a DeFi insurance company that supports several blockchains, making it simple for users to move assets across various networks. The platform offers protection against stablecoin de-pegging, smart contract hacks, and certain centralized-platform risks. InsurAce’s solid advantage is lower premiums, which is a pricing system that spreads risks across many products. It has broad protocol coverage and is beginner-friendly. 

Pros

• It usually provides affordable coverage.
• It functions across many blockchains.
• Supports many DeFi protocols and apps.

Cons

• Some policies have unclear payout rules.

3. Sherlock

This DeFi insurance company stands out from others because it focuses on protecting protocols that are undergoing its audit process. When a project is audited by Sherlock, it can also purchase protection if a bug is found. Therefore, Sherlock is more of a B2B answer for DeFi teams than everyday retail users. It has strong security experts backing it, but has faced many concerns about the capacity of its reserve funds.

Pros

• It focuses on code quality and hack prevention.
• It is ideal for protocols wanting both protection and audits.
• Solid audit network built into the system.

Cons

• Limited to smart-contract risk alone.

4. Uno Re

Uno Re is a DeFi insurance and reinsurance company that enables users to purchase coverage and provide liquidity to earn from underwriting. It provides protection against stablecoin de-pegs and smart-contract hacks. Additionally, it has processed real payouts in previous hack events. This platform has a user-friendly dashboard that makes it seamless to view the assets you can insure. 

Pros

• It supports multiple chains.
• It protects against hacks and stablecoin depegs.
• The platform has handled real user payouts.

Cons

• Fewer coverage types than largeger platforms.

5. Amulet Protocol

This platform was designed mainly for the . It merges yield earnings with built-in insurance, meaning users can earn returns while protecting their deposits. It covers supported vaults and stablecoin de-pegs with a “securety Fund” that pays out when issues occur. Amulet Protocol is new compared to older platforms, and its activity is mostly on Solana. Overall, the platform is designed to be beginner-friendly and simple.

Pros

• It offers protection and yield in one system.
• Very friendly for Solana users.
• simple to use and understand.

Cons

• Smaller financial reserves than older ones.

How to Choose the Right DeFi Insurance

Choosing a DeFi insurance platform can be challenging because each one follows diverse rules and covers various risks. Before purchaseing any cover, you need to check what you actually need and how each provider works. 

1. Understand the exact risks 

Before purchaseing any insurance cover, take the time to list the chains, protocols, bridges, and you can use. Each platform has a diverse type of risk. For instance, a bridge might be more exposed to failures or attacks, while a lending protocol can be vulnerable to smart-contract bugs.

By identifying the likely risks, you can choose an insurance platform that protects what matters to you.

2. Check if the insurer covers the risks directly

Not every insurer protects against every failure. Some cover stablecoin de-pegs, some focus only on smart-contract hacks, and others protect platform difficultys. Hence, look carefully at the product description and ensure the policy covers the situation you’re worried about. If it doesn’t match your risk, the cover will not assist during a real incident.

3. Read what the policy won’t cover

Every DeFi insurance company has rules that explain when they will pay and when they won’t. They are called exclusions. They assist you in understanding situations where a claim might not be rejected. Knowing these details prevents disappointment and assists you select a more suitable provider.

4. Confirm the platform’s security and audits

excellent DeFi insurers are clear about their audits, reserve systems, and bug-bounty programs. Look out for platforms that are secure and regularly reviewed by reliable auditors. If an insurance company doesn’t have its security information public, it might not be secure to trust it with your claim.

Conclusion: Making securer DeFi Decisions

is becoming more significant as bridge failures, hacks, and de-pegs continue to affect users across diverse chains. Choosing the ideal provider begins with understanding your risks and confirming the coverage matches what you need. Platforms with a proven payout history are usually more reliable, while untested insurers or unclear policies require more caution.