Startup Insurance
Insurance built for the way startups actually grow.
Coverage stacks for pre-seed through growth-stage companies, structured around the contracts, hires, and rounds that drive urgency.
What insurance does a startup need?
Most startups need six core policies — general liability, cyber, technology errors & omissions (Tech E&O), directors & officers (D&O), employment practices liability (EPLI), and workers' compensation — layered on as the company hits milestones. The financial stakes are real: the global average cost of a data breach hit a record $4.99M in 2026 (IBM), about half of startups carry cyber insurance at a median of roughly $2,900 a year (Vouch, 2026), and U.S. workers filed 88,531 EEOC discrimination charges in FY 2024 (EEOC). See our full guide on what insurance a startup needs for costs by funding stage.
Why founders work with us
Five things every founder should expect from their broker — speed on certificates and renewals, deep startup and technology experience, compliance readiness for enterprise contracts and SOC 2 questionnaires, market breadth across more than 100 carriers, and stewardship through claims and renewals.
Who we work with
Founders raising or just-funded, technology firms scaling enterprise sales, operators and CFOs at growth stage, and boards or investors with portfolio-wide insurance asks.
Coverage that comes online with each milestone
Pre-seed and seed founders typically start with General Liability and a starter Cyber + Tech E&O form. Series A adds D&O, EPLI, and broader Tech E&O. Growth-stage companies layer Workers' Compensation, Crime / Employee Dishonesty, umbrella, and higher D&O limits with Side A protection.
Coverage by funding stage
- Pre-seed — First customer pilots, founder-only or 1–3 employees, no priced round yet.
- Seed — Paying customers, first hires, SAFE/notes or priced seed round.
- Series A — Real revenue, board formation, multi-state hiring, enterprise deals.
- Growth (Series B–D) — Scaling enterprise sales, larger headcount, possible international expansion.
- Mature / IPO-track — Established operations, IPO or M&A planning, complex governance.
Frequently asked questions
When is the right time to buy startup insurance?
Usually right before a contract, hire, or investor signature forces it. The fastest way to know is to share the document driving urgency — a customer MSA, a term sheet, an offer letter — and we will tell you what coverage is actually required.
Do I need D&O at the seed stage?
Often yes if you have priced funding, an outside director, or a co-founder dispute risk. We can structure a smaller D&O program now and scale it at Series A.
Can I bundle cyber and Tech E&O?
Yes — most carriers offer a combined cyber + Tech E&O form for early-stage technology companies, which keeps premium efficient and avoids gaps between the two coverages.
How much does startup insurance cost?
It depends on which policies you carry. Across thousands of startups in 2026, Vouch reports median annual premiums of roughly $180 for general liability, $2,900 for cyber, $3,700 for Tech E&O, $4,300 for EPLI, and $6,300 for D&O. A funded early-stage company carrying several of these typically spends in the low five figures a year.
Why do investors require D&O insurance?
D&O protects directors' and officers' personal assets against claims tied to running the company, so investors who take a board seat want it in place before a priced round. For companies under $50M in revenue, $1M of D&O coverage typically costs $5,000–$10,000 a year (Embroker).
How fast can you turn around a certificate of insurance?
Same-day for standard requests once your policy is bound. We pre-stage common additional-insured language so we can respond in hours, not days.