Table of contents
With technology progressing at an unprecedented level, cryptocurrency miners have surged. The United States is currently experiencing an influx of miners using intensive computers to track various virtual currencies.
This business venture faces many risks, such as cyber-attacks from suspicious programs app developers made to target your assets. You might even need the services of computer businesses when a breakdown happens, and insurance can help cover expenses.
Crypto mining insurance safeguards your digital and physical assets. This article discusses vital policies, their coverage limits, and add-ons.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
General liability insurance is a critical option that shelters your crypto mining business from common liabilities and risks. It primarily covers claims related to third parties, such as your customers, vendors, visitors, or competitors. If an accident occurs while running your business operations, this policy will pay legal defense, judgments, and settlement costs.
Cyber liability insurance–A crypto mining company is susceptible to ransomware attacks, hacking, or data breaches. It would be best if you had this add-on to ensure you recover from financial losses in case of these incidents
Crime insurance–Your business is exposed to external and internal fraudulent activities. This add-on will offer sufficient coverage for these losses due to criminal acts
The coverage limits the insurer gives you must be enough to cover your financial interests. In most instances, you can get $1 million to $2 million for each occurrence snf an aggregate limit of up to $5 million.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Yes | No |
| Deductible | $500 | $500 | $500 | $500 | $500 |
Professional indemnity insurance is fundamental coverage for your crypto mining business if you offer consulting or professional services. It will shelter you from claims of negligence, omissions, or errors. It would be best to cushion your business appropriately, as these claims can be costly.
Network security liability insurance–This add-on covers all liabilities linked to data breaches on sensitive data. It will offer protection if your customers claim inadequate safety measures led to data compromisation
Cryptocurrency custody insurance–If your business holds customers’ cryptocurrencies or funds, this coverage will offer coverage of losses due to theft or loss of the stored digital assets
When determining the ideal coverage limit of your business, you must evaluate the range of services you offer and the level of risk you are exposed to. But you can get a $1 million to $5 million limit for a single occurrence and up to a $10 million aggregate limit.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
This insurance covers your business buildings, contents, inventory, and other physical assets. Buildings insured can be properties you own or have rented for business purposes. It is always recommended that you check what types of events that your insurer will cover. Common perils covered are:
Fire
Smoke
Hail
Windstorm
Vandalism
Sinkhole collapse
Volcanic action
Equipment breakdown coverage–Your business depends on equipment and hardware to store and manage customers’ data and cryptocurrencies. This add-on will pay for repair and replacement costs in the event of an electrical or mechanical breakdown
Utility service interruption–Your business requires stable electricity to run its operations. This add-on will safeguard against financial losses due to interruption on your utility services
The market value of your property, the nature of your operations, and the dictated policy terms will influence the amount you receive as a reimbursement after an accident. You can generally be paid from $500,000 to $2 million.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy (BOP) has three critical business insurance policies; general liability, property, and business interruption insurance. This insurance policy is meant for businesses with less than 100 employees. The company must also generate at most $5 million in one year. If your crypto mining business meets the required criteria, you can take this budget-friendly and comprehensive policy.
Media liability coverage–If your business creates content or markets itself via media channels, you need this coverage. It will shelter your business from any claims of defamation or other media-related liabilities
Crypto mining equipment insurance–This can be included as part of your BOP or as an add-on. It protects your valuable hardware and equipment explicitly
The coverage limit for BOP can be $500,000 to $5 million for your property and $1 million to $5 million to cover third-party claims. For business interruption coverage, your insurance company can compensate you for 12-36 months of your business net income.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance for crypto mining protects the items you use in your operations. They can include connectors, network equipment, and cooling systems. The delays and costs of repairing your items can be frustrating and expensive; thus, you need this type of coverage.
Extended coverage for transit–In addition to your crypto mining equipment insurance, you can include this add-on; it covers your items as they are being transported to a new location
The limit for your policy can be from $25,000 to $500,000, depending on the value of your items and policy terms. The money gives you enough coverage for damages or losses from a single event.
This insurance for crypto mining is needed if you regularly transport your business equipment or drive to visit your clients. It typically covers all vehicles that you use for business operations. The policy limits cover any expenses related to an accident caused by you or your employees.
Liability coverage–Pays for bodily injury or property damage liabilities. This coverage will pay for any damages that you or your driver cause
Medical payment–This component pays for the medical costs if your driver or passengers are injured during an accident
Uninsured motorist coverage–This component pays for injuries caused by hit-and-run motorists or if the other driver has no insurance coverage
Comprehensive coverage–It pays for all vehicle damages in case of fire, flood, theft, or vandalism
Collision coverage–Pays for all costs if a vehicle is hit by a car or object
Rental reimbursement coverage–If your commercial vehicle is involved in an accident, you might need to rent a replacement vehicle while you await the repair of your car. This add-on will cover the replacement vehicle in case of an accident
Equipment and tool coverage–If you carry any equipment and tools in your vehicle, you can include this add-on to cover those items
The liability coverage can be from $1 million for each occurrence. For collision coverage, your insurance company will pay for either partial or total repair costs for your automobile.
This crypto mining insurance offers extra cover over what is provided by your primary liability policy. The policy will step in if the limits for your policy are exhausted. It mostly happens in the event of serious injuries that come with large claims.
Cryptocurrency theft coverage–This add-on will cover your digital assets in case of theft or loss
Social engineering fraud coverage–Some social engineering attacks, such as impersonation or phishing, may lead to financial losses in your business. This add-on will cover all losses suffered
The coverage for excess liability insurance can be from $1 million to $10 million. Appropriate coverage of your business will vary depending on your exposed risks and the size of your crypto mining business.
Keeping your workers safe should be the number one priority of your business. However, you cannot 100% safeguard your employees from common work-related injuries. Thus you need to secure workers’ compensation insurance for your business. This policy covers the following:
Your employee trips or falls while working
Employees are injured by faulty equipment
Burns that are caused by a fire in your business
Injuries due to falling equipment
Damages due to the constant bending
Repetitive strain injuries
Third-party employee liability coverage–In your crypto mining business, you often work with vendors or third-party contractors who your standard workers’ compensation insurance may not cover. This add-on will protect these parties.
Crisis management coverage–Your business can be exposed to crises that may impact the well-being of employees or your company’s reputation. This add-on will cover all expenses related to responding to such a crisis
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $29 | $348 | $0-$500 |
| Professional liability insurance | $35 | $420 | $1,000-$2,000 |
| Commercial property insurance | $62 | $744 | $1,000-$2,000 |
| Business owner’s policy | $70 | $840 | $1,500 |
| Tools and equipment insurance | $42 | $504 | $500-$1,000 |
| Commercial auto insurance | $33 | $396 | $500-$1,000 |
| Workers compensation insurance | $67 | $804 | $2,500-$5,000 |
| Excess liability insurance | $38 | $456 | $500-$1,000 |
The average crypto mining insurance cost is $29 per month or $348 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits deductibles, and number of employees. Here’s a table showing the cost of a $1 million general liability policy from the best companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $12 | $144 | Best overall; Fastest general liability insurance for crypto miners |
| The Hartford | $18 | $216 | Established crypto miners who are looking for comprehensive workers comp coverage |
| CoverWallet | $16 | $192 | Comparing crypto miner insurance quotes online |
| Tivly | $20 | $240 | Comparing crypto mining insurance quotes over the phone |
| Thimble | $23 | $276 | Crypto miners looking for short-term or project-based insurance coverage |
| Hiscox | $25 | $300 | Crypto miners who are looking for worldwide coverage |
Get all the best quotes from leading providers in a click of a button!
Here is a list of the best six insurance providers and brokers offering great crypto mining insurance deals. You can select your ideal insurer depending on your budget or specific needs for your business.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT was established in 2016 to create an online platform where small businesses can easily apply and manage their business insurance policies. They have openly adopted technology that ensures you can have better control over your policies. If you want proof of insurance, you can instantly get it from their website.
Best for: Best overall; Fastest general liability insurance for crypto miners
Average cost: $12 per month
Our rating: 10/10
Have a digital platform where you can acquire a valid insurance
Customization for your crypto mining insurance is possible
You can also adjust coverage limits to cover your business perfectly
You have unlimited options for the insurance company you can work with
They are an insurance brokerage firm. Thus their policies are issued by third-party companies
CoverWallet started operating in 2015 and currently offers several insurance products, such as BOP, workers’ compensation, tools and equipment, and excess liability insurance. You have the freedom to select from their numerous insurance providers.
Best for: Comparing crypto miner insurance quotes online
Average cost: $16 per month
Our rating: 10/10
This is an experienced company offering insurance products for many years.
Broad coverage options for your insurance company
This company is known to have an impressive financial stability
You might not have access to many add-ons on your liability insurance
The Hartford is an established insurance company that has been offering insurance products for many years. They offer several insurance products, such as workers’ compensation, cyber liability, general liability, tools and equipment, and property insurance.
Best for: Established crypto miners who are looking for comprehensive workers comp coverage
Average cost: $18 per month
Our rating: 10/10
Budget-friendly insurance coverage options available
A straightforward application process for your business
A reputable insurance marketplace that connects you to a suitable provider
To obtain an insurance quote, you need to call their representative
Tivly is a platform that acts as an intermediary between businesses and insurance companies. This company simplifies the insurance application process for your business. You can get budget-friendly coverage options for your crypto mining insurance. You can purchase a BOP policy, workers’ compensation, tools and equipment, or cyber liability insurance. Call now to compare quotes over the phone.
Best for: Comparing crypto mining insurance quotes over the phone
Average cost: $20 per month
Our rating: 9/10
Offers insurance coverage for specific events or short periods
On their digital platform, you can conveniently manage your policies
You can also use their mobile app to manage your policies
Their customer service is only accessible on the virtual platform
Thimble is an insurance company that offers insurance policies for short-term projects. If you want coverage for your crypto mining business, they have a wide array of products you can select. You can purchase BOP, workers’ compensation, excess liability, tools, and equipment insurance.
Best for: Crypto miners looking for short-term or project-based insurance coverage
Average costs: $23 per month
Our rating: 9/10
They are an experienced insurance company and will offer your business unrivaled insurance advice.
When you buy bundled policies, you enjoy attractive discounts
They have worldwide coverage for businesses that operate internationally
Doesn’t offer coverage in Alaska
Hiscox is an insurance company that offers multiple insurance products for all types of businesses. This company has been providing coverage for numerous years. You can purchase insurance products such as professional liability, general liability, workers’ compensation, tools and equipment insurance, and media liability insurance.
Best for: Crypto miners who are looking for worldwide coverage
Average cost: $25 per month
Our rating: 9/10
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
10 / 10
Their business insurance products are by far the best business decision I've made financially. Got us covered when we needed it and for such a bargain cost. Couldn't recommend more!
10 / 10
Excellent business insurance policies at cheap rates. Claim process was easy and helped us cover financial loss.
10 / 10
Great rates and excellent service. Our business feels safe.
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
Not all those who wander are lost.
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