What changes at this stage
- A priced seed round brings a D&O requirement in the term sheet
- First employees make workers comp mandatory and EPLI relevant
- First enterprise pilots bring MSA insurance clauses
The stack
- D&O ($1M to $3M is common)
- EPLI inside management liability
- Tech E&O and cyber ($1M to $3M is common)
- GL / BOP and workers compensation
- Crime basics
Checklist
- D&O bound at or before closing, as the term sheet requires
- Workers comp in place from employee one
- MSA insurance clauses checked before signature
Frequently asked questions
What does the full seed stack cost?
In the market, a seed stage software company's full stack generally runs $3,000 to $10,000 per year. General market range, not a quote; sector, limits, and controls move it.
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.