CrowdCover:
The anti-gamble.
Coverage built by
the future.
Yes, no, maybe.
Meet uncertainty's
antidote.
Take control of
what if.
Uncertainty,
on your terms.
Hedges for life's risks, curated.
Crowd wisdom.
Personal ease.
The anti-gamble.
the future.
antidote.
what if.
on your terms.
Personal ease.
We curate prediction markets to hedge life's uncertainties. 90+ hedgeable events across 9 categories — no noise, just protection that matters.
If Event Occurs
Annual Cost
Payout
Net Gain
Return Multiple
How CrowdCover Works
We curate prediction markets and translate them into coverage. The crowd determines the odds, you get transparent, market-driven protection.
Choose Your Risk
Browse 90+ carefully curated events across natural disasters, economic shifts, policy changes, and more. We filter out the noise — no celebrity gossip, no novelty bets — just risks that actually affect your life and finances.
See Real Odds
Each event has live market odds determined by prediction market participants worldwide. No opaque actuarial tables — just transparent probability.
Get Covered
Pay based on real odds. If the event occurs, you get paid. Simple. Your premium reflects actual market probability, not legacy insurance markups.
Traditional Insurance vs CrowdCover
Traditional Insurance
- Opaque pricing based on internal models
- High overhead costs baked into premiums
- Limited to "insurable" events
- Complex claims process
- Months or years to receive payout
- Premiums increase after claims
CrowdCover NEW
- Transparent market-based pricing
- Minimal overhead, maximum value
- Cover previously uninsurable risks
- Automatic payout when event occurs
- Fast settlement via prediction markets
- Odds-based pricing, no penalty for claims
Ready to get started?
Join the waitlist for early access and 20% off your first hedge.
Simple, Transparent Pricing
No hidden fees. No complex tiers. You pay based on real market odds with a small platform spread built in.
How Pricing Works
Your coverage cost is determined by prediction market odds. We add a small spread to sustain the platform — that's it. What you see is what you pay.
See the Savings
Compare what you'd pay with traditional insurance vs CrowdCover
Hurricane Coverage (Florida)
Tech Layoff Protection
Recession Hedge
Why We're Different
Traditional Insurance Costs
- 15-25% goes to overhead & admin
- 10-20% profit margin built in
- Conservative actuarial padding
- Agent commissions (5-15%)
- Marketing & acquisition costs
CrowdCover Costs
- Market odds (what you're actually covering)
- Small platform spread (~1-2%)
- That's it. Really.
- No hidden fees
- No annual increases
Ready to save?
Join the waitlist for early access to market-priced coverage.
Frequently Asked Questions
Everything you need to know about prediction market-powered coverage.
What is CrowdCover?
CrowdCover uses prediction markets to offer coverage for real-world events. Instead of traditional insurance pricing, your premium is based on actual market odds determined by thousands of participants worldwide.
How is this different from insurance?
Traditional insurance uses internal actuarial models and adds significant overhead. CrowdCover prices coverage at market odds plus a small spread — often 50-80% cheaper than traditional options.
How do payouts work?
When a covered event occurs (verified by prediction market resolution), your payout is automatic. No claims adjusters, no paperwork, no waiting months for approval.
What events can I cover?
We curate 90+ events across natural disasters, economic shifts, employment changes, policy/regulatory changes, health events, geopolitical risks, and more. We deliberately exclude novelty bets and speculation — only real risks that affect real lives and finances.
Is this gambling?
It's the exact opposite. Gambling means taking on risk you don't have, hoping for a payout. Hedging means reducing risk you already carry. If you live in wildfire country, own a business affected by tariffs, or work in an industry facing layoffs — you already have that risk. CrowdCover doesn't create uncertainty; it shores it up.
How are odds determined?
Odds come from prediction markets like Polymarket, Kalshi, and others. These markets aggregate information from thousands of participants, often proving more accurate than expert forecasts.
What if the market is wrong?
Markets aren't perfect, but they're remarkably good at pricing probability. And unlike insurance, if you think an event is underpriced by the market, that's an opportunity — you get better odds.
Is my money safe?
Funds are held in regulated accounts until events resolve. We never bet against you — we're a platform, not a counterparty. When you win, you get paid.
What's the minimum coverage?
You can start with as little as $100 in coverage. Scale up as you get comfortable with the platform and want more protection.
Is this legal?
CrowdCover operates within the regulatory framework for prediction markets and structured financial products. We're building the future of risk transfer, working with regulators to expand access.
Can businesses use CrowdCover?
Absolutely. Hedge supply chain risks, policy changes, market conditions, and more. Enterprise plans available for larger coverage needs.
How do I get started?
Browse our coverage categories, find events relevant to your risks, set your coverage amount, and you're protected. It takes about 2 minutes.
Still have questions?
We're happy to help. Click to reveal our email
Why CrowdCover?
One Platform, Every Market
Prediction markets are scattered across Polymarket (crypto-based), Kalshi (US regulated, limited events), PredictIt (capped bets), Manifold (play money), and more. Each has different rules, interfaces, and funding methods. We aggregate them all into one seamless experience. Find the best odds across every platform without managing multiple accounts.
The Opposite of Gambling
Gambling means taking on risk you don't have, hoping for upside. Hedging is the exact opposite — reducing risk you already carry. If you own a home in Florida, you already have hurricane risk. If you work in tech, you already have layoff risk. CrowdCover doesn't create uncertainty — it shores it up. Same prediction market mechanics, opposite purpose.
Compliant US Access
Polymarket — the largest prediction market — isn't directly available to US users. Accessing it requires VPNs, offshore accounts, or crypto workarounds. CrowdCover provides compliant access to global prediction market odds through a US-friendly platform. No crypto wallets, no regulatory gray areas.
Curated for Real Risk
Prediction markets cover everything from elections to celebrity gossip. We sift through thousands to surface only what matters — real risks that affect real people. Policy changes impacting your industry. Economic triggers threatening your investments. Regional events that matter to your business. No novelty bets. Just curated protection.
Portfolio Dashboard
When you hedge across multiple events, tracking becomes a nightmare. Which positions expire when? How have odds shifted? What's your total exposure? CrowdCover gives you one dashboard for all your coverage. Get alerts when odds move. Renew annually with one click. See your total protection at a glance.
Personalized Recommendations
Tell us about your risks — your location, industry, investments, concerns — and we'll recommend coverage you might not have considered. Our system matches your risk profile against 90+ hedgeable events to find gaps in your protection. It's like having a risk advisor powered by prediction markets.
Automatic Payouts
When an event resolves on a prediction market, you don't want to be manually monitoring positions and initiating withdrawals. We handle it all. Event occurs → market resolves → you get paid. Automatic. No claims forms, no adjusters, no waiting. Just your payout, deposited directly.
Your Funds, Secured
On crypto-based platforms, your funds sit in smart contracts or exchange wallets — vulnerable to hacks, exploits, and platform risk. CrowdCover holds your funds in regulated, insured accounts. We're the trusted intermediary that lets you access prediction market returns without prediction market risk.
DIY vs CrowdCover
Here's what it actually takes to hedge yourself versus using our platform.
Markets We Aggregate
The best odds from every major prediction platform, in one place.
Ready to get covered?
Join the waitlist for early access to market-priced protection.
Terms of Service
Last updated: January 2025
1. Acceptance of Terms
By accessing or using CrowdCover.ai ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
2. Description of Service
CrowdCover.ai is a platform that aggregates prediction market data to provide market-priced coverage options for various risk events. Our Service is currently in alpha development and is not yet operational for financial transactions.
3. Alpha Status Disclaimer
CrowdCover.ai is in active alpha development. The Service is provided "as is" for informational and demonstration purposes only. Do not make financial decisions based on information displayed on this platform. Features, pricing, and availability are subject to change without notice.
4. User Responsibilities
You agree to:
- Provide accurate information when creating an account or joining our waitlist
- Use the Service only for lawful purposes
- Not attempt to gain unauthorized access to any part of the Service
- Not use the Service to engage in any form of market manipulation
5. Intellectual Property
All content, features, and functionality of CrowdCover.ai, including but not limited to text, graphics, logos, and software, are the exclusive property of CrowdCover.ai and are protected by intellectual property laws.
6. Limitation of Liability
CrowdCover.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service. This includes but is not limited to financial losses based on prediction market data or coverage calculations displayed on our platform.
7. Third-Party Services
Our Service aggregates data from third-party prediction markets. We are not responsible for the accuracy, availability, or reliability of data from these sources. Links to third-party websites are provided for convenience only.
8. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Service. Your continued use of the Service after any changes constitutes acceptance of the new Terms.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
10. Contact
For questions about these Terms, please contact us at click to reveal email.
Privacy Policy
Last updated: January 2025
1. Information We Collect
We collect information you provide directly to us, including:
- Contact Information: Name and email address when you join our waitlist or contact us
- Preferences: Risk categories and coverage interests you indicate
- Communications: Messages you send us through our contact form
2. Automatically Collected Information
When you use our Service, we may automatically collect:
- Device information (browser type, operating system)
- Usage data (pages visited, time spent on site)
- IP address and general location data
3. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our Service
- Send you updates about our Service and launch status
- Respond to your comments, questions, and requests
- Analyze usage patterns to improve user experience
- Protect against fraudulent or unauthorized activity
4. Information Sharing
We do not sell your personal information. We may share your information only in the following circumstances:
- With service providers who assist in operating our Service
- To comply with legal obligations or protect our rights
- In connection with a merger, acquisition, or sale of assets
- With your consent
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law.
7. Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information
- Opt out of marketing communications
- Withdraw consent where processing is based on consent
8. Cookies and Tracking
We use cookies and similar tracking technologies to collect usage data and improve our Service. You can control cookie preferences through your browser settings.
9. Children's Privacy
Our Service is not intended for children under 18. We do not knowingly collect personal information from children under 18.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.
11. Contact Us
For questions about this Privacy Policy, please contact us at click to reveal email.
Get in Touch
Have questions about CrowdCover? We'd love to hear from you.
Send us a message
Other ways to reach us
Response Time
We typically respond within 24-48 hours