By stage
Cover the contracts you are about to sign, keep the stack lean.
The term sheet sets the stack: D&O arrives, limits become contractual.
Limits step up, enterprise customers start auditing your programme, and AI questions appear.
Towers, excess layers, and diligence grade documentation.
Every coverage line
The policy your board, your investors, and your own balance sheet rely on when decisions get second guessed.
When your product fails and your customer loses money, this is the policy that answers.
Breach response, ransomware, and the liability that follows your data.
Wrongful termination, discrimination, and harassment claims, including the new AI hiring angle.
The foundation policy: bodily injury, property damage, and the certificate every landlord asks for.
Mandatory in California from your first employee, and priced on payroll and job class.
Employee theft, social engineering, and funds transfer fraud, the losses that arrive by email.
Covers the people who run your 401(k) and benefits plans, a quiet personal liability.
For companies whose product exists in the physical world, or whose AI makes physical things happen.
Copyright, trademark, and content claims, now including what your AI generates.
The two packages the market sells
Management liability (D&O, EPLI, Fiduciary, Crime) and Tech Professional (Tech E&O and Cyber blended, with Media/IP) are the two bundled units every serious startup insurer, from Embroker's EMIS to Vouch's brokered stack to Corgi's stage packages, is really selling. Our job as your broker is to assemble those packages across the whole market instead of inside one programme, and to add standalone AI cover where the bundle is silent or sublimited. Compare the platforms in Vouch vs Corgi and Embroker vs Vouch.
Frequently asked questions
What insurance does a startup actually need?
The core is D&O and EPLI (management liability), Tech E&O blended with Cyber, General Liability or a BOP, and Workers Compensation once you have employees. Crime, Fiduciary, and Media/IP join as triggers appear: moving money, a 401(k), content and AI output.
How much does the full stack cost?
Seed stage, the full stack generally runs $3,000 to $10,000 per year in the market. A California Series A programme generally runs $30,000 to $60,000 per year all in. General market ranges, not quotes.
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.