What changes at this stage
- D&O limits commonly step to $3M to $5M
- Enterprise contracts require $3M to $5M of Tech E&O and cyber and check certificates annually
- Underwriters start asking structured questions about AI use, data, and controls
The stack
- D&O and EPLI with higher limits
- Tech E&O and cyber at contract driven limits
- Fiduciary liability with the 401(k)
- Crime with negotiated social engineering limits
- Media and IP where content or AI output is core
Checklist
- Programme benchmarked against your largest customer contract
- AI wording in E&O and cyber checked, not assumed
- Renewal calendar set so certificates never lapse mid contract
Frequently asked questions
What does a California Series A programme cost?
All in, a California Series A company's programme generally runs $30,000 to $60,000 per year in the market. 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.