tl;dr
The Native Risk Collective, launched by digital asset broker Native, offers digital asset companies lower insurance premiums and enhanced coverage by linking the use of vetted cybersecurity and risk mitigation technologies to improved insurance terms. Partnering with specialist insurers including Ll...
LONDON, July 22, 2025 – Digital asset companies can now benefit from lower insurance premiums and enhanced coverage through the newly launched Native Risk Collective, an innovative underwriting partnership created by specialist digital asset broker Native. This framework uniquely rewards firms adopting strong cybersecurity and risk mitigation technologies by linking these practices directly to improved insurance terms.
The Native Risk Collective pioneers a first-of-its-kind approach, connecting vetted vendors offering services like smart contract audits, on-chain threat prevention, and disaster recovery to preferential insurance rates. Native and the underwriters assess each vendor's impact on reducing risk, granting clients who use approved technologies access to better insurance deals from a panel of specialist insurers, led by Lloyd’s of London underwriters Mosaic Insurance and Chaucer.
Participating companies not only enjoy competitive premiums but also gain access to an exclusive insurance product tailored specifically to the unique technological, cyber, and crime risks faced by digital asset businesses. Early technology partners include Hacken, Circuit, BreachBits, Hypernative, and Station70, with more expected to join soon.
Historically, digital asset firms such as exchanges, custodians, and wallet providers have struggled with high insurance costs due to insurers’ wariness about the sector’s risks. Despite heavy investment in security infrastructure, many companies saw little improvement in insurance terms. The Native Risk Collective changes this landscape by standardizing risk assessment and embedding it into insurance policies, thus unlocking broader coverage access while incentivising strong security practices.
Only companies using vendors vetted by the Native Risk Collective qualify for this exclusive product, ensuring that businesses adopting rigorous risk controls are rewarded. Ben Davis, Native’s Co-Founder and CEO, highlights how the framework fosters confidence among insurers by bridging the gap between traditional insurance and digital assets, delivering benefits to customers, vendors, and underwriters alike.
Mosaic Insurance’s VP, Kieran Quigley, emphasizes the Collective’s role in delivering sustainable, customized coverage that acknowledges digital asset firms’ progress in risk management. Chaucer’s Class Underwriter, Ben Marsh, praises the initiative as a forward-thinking solution addressing one of the insurance market’s most underserved sectors.
Technology partners also underscore the transformative impact of the Collective: Hypernative’s CEO Gal Sagie points to how their integration is setting new industry standards linking advanced risk mitigation with tangible insurance benefits. BreachBits’ COO J. Foster Davis highlights the application of enterprise security principles to Web3’s evolving risk landscape, while Hacken’s Chief Product Officer Denys Ivanov envisions a proactive, real-time defense future built on transparency and trust.
Overall, the Native Risk Collective represents a significant step forward in managing and insuring digital asset risks, promising a more resilient ecosystem supported by innovative, technology-driven insurance solutions.