AnchorWatch

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Bitcoin Insurance

AnchorWatch provides Bitcoin-native vault insurance backed by Lloyd's of London, operating as a licensed Lloyd's Coverholder — writing policies directly rather than just brokering. Coverage protects up to $100M per client (authorized to write up to $500M) against theft, loss, key compromise, and operational failure. The product is built on miniscript multisig vaults with timelocks: decaying multisig paths allow heirs to recover Bitcoin after a configurable inactivity period without requiring AnchorWatch involvement, making it the only insurance product that integrates on-chain inheritance planning directly into the custody layer. Bitcoin-only and US-focused.

Details

Type: Insurance carrier (Lloyd's Coverholder)
Target: Self-custody and institutional
Notable: First Bitcoin-only insurance company; uses UTXO-level multisig insurance; spends Bitcoin directly in claim events; Lloyd's licensed
Provider: AnchorWatch
Underwriter: Lloyd's of London
Bitcoin Only: Yes
Custody Type: Miniscript multisig with timelocks
Founded Year: 2022
Coverage Type: Multisig Bitcoin custody insurance
Target Client: Self-custodians, HNW individuals, institutions
Coverage Limit: $100M per client ($500M authorized)
Denominated In: USD
Insurance Type: Vault/Custody Insurance
Inheritance Feature: Yes

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