Startup insurance

Startup insurance for the product, the contract, and the team.

Usually a customer certificate, a first hire, or a lease, not a lecture on management liability. We start with what the company does today.

Start an application Startup D&O

Founders search this when someone asks for proof of coverage. The operating stack is cyber and Technology E&O. D&O is a later conversation. It does not replace the policies that let you sign the next MSA.

Independent agency. A licensed advisor reviews every file. Nothing is bound until the issuing market confirms it. We transact only where licensed.

Today

CyberCustomer data, laptops, and the contract that assumes you will have a cyber policy. Non-malicious outages may fall outside standard cyber.

Technology E&OA claim that the product failed to perform. That is what most early MSAs are actually asking for, even when they say “professional liability.”

Business owners policyIf you lease space, this is often what the landlord meant: contents plus general liability, packaged.

Workers compensationRequirements vary by state. Remote staff are typically rated where they work, not only at headquarters.

As you grow

Priced roundDirectors and officers cover. Outside directors commonly expect the company to maintain D&O. See startup D&O.

First enterprise contractProcurement may request higher limits, additional insured, and waiver language. A certificate evidences the policy. It does not amend it.

HeadcountEmployment practices liability becomes a conversation as the team grows. It is a different product from workers compensation and from D&O.

Questions we hear

Usually a small stack, not a single form. Cyber and Tech E&O are often packaged. BOP and workers compensation depend on premises and people. D&O arrives with a round or outside board seats. We will not sell you a bundle you do not need.

If a customer, landlord, or partner is asking for a certificate, it is not too early. If you have no users, no lease, and no employees, we can wait. The application lets you say pre-revenue.

No. Binding authority sits with the issuing carrier or authorized market. A licensed advisor reviews the file. We aim to respond within one business day. We transact only where licensed.

Related guides

Start as a startup.

The application opens on venture or angel-backed so we ask about stage, not a generic trade questionnaire.

Start an application