Coverage essentials
General liability for startups
What it covers, what it leaves out, and the limits your customers ask for.
The startup insurance library
Before you sign.
Before you scale.
Clear answers for the contracts, funding rounds, and hiring decisions that put insurance on your desk.
Find your next answerStart with the essentials 4 min read
General liability.
Know your foundation.
What it covers, what it doesn’t, and why that $1M/$2M requirement keeps showing up in your contracts.
Read the guideGeneral liability
$1MPer occurrence
$2MAnnual aggregate
Common limits for a startup policy
- Bodily injury
- Property damage
- Personal & advertising injury
The starting point. The details still matter.
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From your first policy to your next funding round.
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Contracts & AI
Your customer needs a certificate. Now what?
What it takes to meet a $1M/$2M requirement and get the paperwork right.
Funding & growth
The seed-stage insurance bundle
The core policies to consider when your company is just getting started.
Coverage essentials
Tech errors & omissions
Coverage for customer losses caused by software failures or missed deliverables.
Contracts & AI
AI contract terms & insurance
How output errors, customer data, and IP promises interact with your policies.
Buying insurance
What startup insurance costs
Understand how company stage, coverage, and limits shape your insurance budget.
Hiring & people
Hiring across state lines
How a remote employee’s work location changes your workers’ compensation needs.
Coverage essentials
Cyber insurance
Breach response, business interruption, and third-party claims, explained.
Buying insurance
The insurance clause library
Sample contract clauses with plain-language explanations of what they ask for.
Coverage essentials
Directors & officers
Protection for founders and directors against claims alleging mismanagement.
Coverage essentials
Employment practices liability
Coverage for discrimination, harassment, and wrongful termination claims.
Coverage essentials
Workers’ compensation
How workers’ comp applies to office staff, remote employees, and growing teams.
Coverage essentials
Fiduciary & crime
Employee benefit decisions, employee theft, and certain fraud losses.
Coverage essentials
Media liability
Copyright, defamation, and privacy claims involving the content you publish.
Contracts & AI
Meeting a $5M E&O & cyber requirement
How primary coverage and excess layers work together for larger contracts.
Contracts & AI
Decoding vendor endorsements
Additional insured, waiver of subrogation, and primary and noncontributory wording.
Contracts & AI
Insurance for an enterprise AI pilot
The coverage an enterprise customer may ask for before your pilot begins.
Contracts & AI
When software includes on-site work
How hardware installs and physical work change a software company’s insurance.
Contracts & AI
Platforms with user content
Media liability considerations for platforms hosting content or running advertising.
Contracts & AI
Are AI output errors covered?
Why service definitions and AI exclusions matter when comparing Tech E&O.
Funding & growth
Insurance before funding
Working through investor insurance requirements before funds are released.
Funding & growth
D&O before your round closes
Planning coverage around your funding deadline and investor requirements.
Funding & growth
What investors expect by stage
How insurance expectations change from seed through Series B.
Funding & growth
Insurance at Series A
What changes as funding, hiring, and customer requirements grow.
Funding & growth
Insurance at Series B
Higher limits and excess layers for a larger startup insurance program.
Hiring & people
Planning a layoff
Disclosure and timing considerations for employment practices insurance.
Hiring & people
Coverage after a harassment complaint
How an existing complaint affects a new employment practices policy.
Hiring & people
Moving contractors to payroll
Insurance changes to consider when contractors become employees.
Hiring & people
Insurance after an EEOC complaint
The history underwriters request when your company has a prior charge.
Hiring & people
Wage & hour coverage
Defense coverage and exclusions for wage and hour claims.
Buying insurance
The startup insurance glossary
Plain-language definitions for the terms in your contracts and policies.
Buying insurance
Coverage & placement timelines
The insurance lines we place and what goes into getting coverage in place.
Buying insurance
Insurance providers compared
Understanding online platforms, independent brokers, and direct insurers.
Buying insurance
Broker or online platform?
How contract complexity and deadlines affect your buying options.
Buying insurance
Switching insurance mid-term
Policy dates, retroactive coverage, and how to approach a change of carriers.
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