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Startup Coverage Assessment

Startup Coverage Assessment

The purpose of this assessment is to give you a better idea of what types of insurance coverage you may need to protect your growing company. Completing this is not a guarantee of insurance or any policy. You should also not take these answers as the end-all, be-all. You should consult with a licensed insurance broker before purchasing policies. Okay, now that we got that out of the way, let's get started.
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  • 21

    Directors & Officers (D&O) — Recommended


    Why: Investor/board involvement or an active fundraise increases governance exposure. D&O insurance is typically a must before money gets wired from investors.

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  • 22

    Tech E&O (incl. Professional Liability) — Recommended


    Why: Client and contractual exposure related to your software/services. If your tech does something to harm a customer's finances, your company can be on the hook if a lawsuit ensues.

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  • 23

    Cyber — Recommended

    Why: Personal/regulated data, enterprise/government customers, or general cyber exposure. If you're handling any customer data, Cyber liability will help protect your bottom line when there is a data breach or targeted cyber attack.

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  • 24

    Employment Practices Liability (EPLI) — Recommended


    Why: Protects against employment-related claims (hiring, firing, discrimination, harassment). EPLI is recommended right after you hire your first employees. This is especially a must in California.

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  • 25

    Fiduciary — Recommended


    Why: Protects plan fiduciaries for 401(k)/benefit plan decisions and errors. Basically, if you get sued because an employee didn't do a great job handling the company's 401k, this coverage helps with that.

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  • 26

    Crime / Social Engineering — Recommended


    Why: Wire fraud and funds-transfer risks; especially relevant with frequent wires or fintech flows. If you're moving money around occasionally or frequently, you'll want to make sure you're covered if those funds go missing, and illegal activity has caused it.

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