From Policies to Programmable Risk: How Digital Assets Are Redefining Insurance

Session Overview

Digital assets are not just changing infrastructure — they are redefining what can be insured.

As physical and financial assets become digitized, tokenized, and increasingly programmable, insurance is entering a new phase where entirely new categories of risk can be identified, priced, and transferred.

This goes beyond crypto. It includes:

• Tokenized real-world assets (real estate, commodities, infrastructure)
• Digital twins of physical assets (e.g. livestock, machinery, supply chains)
• Programmable contracts and automated execution
• And new forms of ownership, where assets can be fractionalized and traded

These developments are expanding the boundaries of insurability:

At the same time, this shift challenges traditional insurance models:

• Products can become more dynamic and event-driven
• Claims can be triggered automatically
• And capital can move more fluidly across markets

This session explores how digital assets are enabling new insurance products, new revenue models, and new forms of risk transfer — and what it means for insurers looking to stay relevant in a programmable world.