What changes at this stage
- You are signing founder agreements, advisor paperwork, and your first customer or pilot contracts
- A landlord or coworking space may ask for a GL certificate
- Insurance is usually bought reactively at this stage; a lean, correct stack beats a big one
The stack
- General liability or a BOP
- Tech E&O and cyber (basic limits)
- D&O if you have outside investors or board members
Checklist
- GL certificate ready for leases and pilots
- E&O limit matched to your largest pilot contract
- Founder and advisor agreements reviewed for indemnity promises
Frequently asked questions
What does the pre-seed stack cost?
Lean pre-seed cover sits inside the seed full stack range that generally runs $3,000 to $10,000 per year in the market, usually toward the lower end. General market range, not a quote.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.