什么是加密货币保险，它是如何运作的？

Cryptocurrency insurance acts as a safety net for individuals, companies, and institutional investors in the digital asset market. It aims to reduce risks associated with trading, storing, or possessing cryptocurrencies by providing financial protection against incidents such as theft, hacking, fraud, operational mistakes, and legal actions. Insurers evaluate risk profiles, tailor plans, and process claims after a covered loss occurs. Common types of crypto insurance coverage include crypto theft, custody, cybersecurity, exchange/custody, and digital asset holder insurance. Stakeholders should consider key factors such as maximum coverage, exclusions, security specifications, premium costs, and insurer reputation when choosing an insurance policy.