Insurance and Risk Management for Digital Asset Holders
Why Insurance Gets Complicated When You Hold Crypto
Most insurance professionals freeze when you mention crypto. They know how to insure real estate, businesses, and traditional investment accounts. Digital assets? That’s outside their training.
The problem gets worse when you start asking real questions. What happens to your Bitcoin if you die? Does your homeowner’s policy cover a hardware wallet? Can your disability insurance replace income from staking rewards? Standard policies weren’t written for people who hold significant wealth in digital form.
Digital Ascension Group works with families who face this gap. We don’t sell insurance directly because we’re not licensed agents. What we do is connect you with professionals who actually understand digital asset risk and can coordinate coverage across your entire financial picture, including crypto holdings.
The Coverage You Actually Need
Property and Casualty
Your home, business, and other properties need protection from damage and liability risks. But if you run crypto operations from your property or store significant digital assets there, standard policies might not cover everything. We connect you with agents who can assess these risks properly.
Life and Disability
Life insurance protects your family if something happens to you. Disability coverage replaces income if you can’t work. The catch is that underwriters struggle to value income from crypto activities or assess assets they don’t understand. You need specialists who can navigate this.
Digital Asset-Specific Coverage
Some carriers now offer policies that specifically cover digital asset theft, loss of private keys, and custody failures. These specialized products address risks that traditional insurance ignores. We can connect you with providers who actually write these policies.
Long-Term Care and Health
Long-term care costs can drain savings fast. Medicare and health insurance options get confusing, especially as regulations change. We connect you with professionals who can evaluate your healthcare coverage needs and find solutions that preserve your wealth for the people you care about.
Liability and Umbrella Protection
If you hold substantial digital assets, you’re a target. Liability claims, lawsuits, and other legal risks increase with wealth. Umbrella policies provide extra protection beyond your standard coverage limits. We’ll connect you with professionals who can assess your liability exposure and recommend appropriate coverage.
How We Help You Get the Right Coverage
Digital Ascension Group provides family office services. We’re not insurance agents and we don’t sell policies. What we do is understand your complete financial picture, including your digital asset holdings, and connect you with licensed professionals who can actually provide the coverage and risk management services you need.
Step 1: Review Your Situation
We start by understanding what you hold and where potential gaps exist. What digital assets do you own? How are they stored? What happens to them if you die or become incapacitated? Where might your current coverage fall short? This isn’t about selling you more insurance. It’s about identifying real risks that could damage your wealth or your family’s security.
Step 2: Connect You With Specialists
Once we understand your needs, we connect you with licensed insurance professionals through Digital Wealth Partners who understand digital asset risk. These aren’t generic agents reading from a script. They’ve worked with crypto holders before and know how to structure coverage that actually protects your situation.
Step 3: Coordinate With Your Complete Plan
Insurance doesn’t exist in isolation. It needs to work alongside your estate plan, your custody solutions, your tax strategy, and your investment approach. We coordinate with the professionals handling those areas to make sure everything fits together. If you die tomorrow, your family should know exactly what you own, where it’s stored, and how to access it.
Why This Matters More Than You Think
People who hold significant crypto often assume their wealth is safe because they control their keys. That’s part of it. But what happens if your house burns down with your backup seeds? What if you have a stroke and can’t communicate your wallet passwords? What if someone sues you and tries to seize assets you can’t easily hide?
Insurance and risk management address the scenarios where self-custody isn’t enough. You’ve spent years building wealth. Protecting it means thinking through what could go wrong and having plans in place before disaster hits.
Most people wait too long. They figure insurance out after they need it, not before. By then it’s expensive, limited, or unavailable. Getting coverage in place now, while you’re healthy and your risks are manageable, saves money and stress later.
Digital Ascension Group's Approach
We Don't Sell Insurance
Digital Ascension Group isn’t an insurance agency. We provide family office services and coordinate your financial picture. When you need insurance or risk management, we connect you with licensed professionals through Digital Wealth Partners who can actually provide those services.
Complete Picture Perspective
Insurance decisions impact your estate plan, your custody setup, your tax strategy, and your investment allocations. We understand how all these pieces fit together because we work with families on their complete financial picture, not just one isolated product.
Digital Asset Expertise
We specialize in working with families who hold digital assets. The professionals we connect you with understand crypto custody, token tax issues, and the specific risks that come with managing wealth in digital form. This isn’t their side hobby.
What Happens After You Contact Us
Initial Conversation
We talk about what you hold, what concerns you, and where gaps might exist in your current coverage.
Risk Assessment
We review your financial situation, including digital asset holdings, to identify specific risks that need addressing.
Professional Connection
We connect you with licensed insurance professionals through Digital Wealth Partners who understand digital assets.
Ongoing Coordination
We coordinate insurance decisions with your estate plan, custody setup, and overall financial strategy.