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Tailored insurance requirements for startups
Your insurance needs change as you increase your revenue, headcount, office space, customer base, and more
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Are you a venture-backed startup?
CoverStartups by Aon offers an exclusive management liability product that includes Directors & Officers insurance, Employment Practices Liability, and Fiduciary coverage. By using data based on your VC’s performance, we provide you with the precise coverage your business needs at the most affordable rate.Get Quotes »
We speak your startup language
We use technology to provide simplicity, speed and convenience
If you are not sure how much insurance to buy, we use data to tell you what other companies like you buy.
Enter basic information (revenues, employees, address, ...) and get a personalized quote in a minute. Chat with our advisors anytime, for free, to understand insurance tradeoffs. Purchase online, via credit card or ACH, paying monthly or annually, and activate your policy today.
24/7 access (web or mobile) to download your policies and certificates, manage payments, get recommendations, file claims, request insurance modifications, or simplify renewals with a click of a button. With unlimited free access to our insurances experts.
Simple. Fast. Convenient.Get Quotes »
Prefer to speak with a CoverStartups advisor to discuss options?
Call (847) 565-1317
Our Simple Process
All in minutes
Tell us about your startup
Complete our simple online application in just a few minutes.
Review your quotes
You can get instant online quotes. Have questions? Speak to our startup experts to discuss options and tradeoffs.
Step 2+ (if necessary)
Some products like Directors and Officers insurance (D&O) will require you to provide additional documentation (e.g., financials).
Manage your insurance
24/7 access to download policies and certificates, file claims, track payments, plus access to free expert advice.
You can pay annually or monthly via credit card or ACH and download your proof of insurance coverage instantly.
When and why getting insurance as a startup
There are many situations when you need to have insurance
Signing an office leaseLiability and Property
When you sign a lease, it will probably require you to have basic general liability and property insurance to cover fire, flooding, third party damage, etc.
Hiring the first employeeWorkers’ Compensation
In all 50 states, workers’ compensation insurance is mandatory after hiring the first employee. The cost is a percentage of payroll - the percentage depending on your industry sector.
Signing a contractGeneral, Professional or Product Liability
Third party companies, especially big ones, may require you to have some insurance in place.
Saving Client InformationCyber Liability
If you save client’s information (credit cards, SSNs, or simply names of people using your product), this policy can help you cover the cost of a data breach. For instance, most states require companies to notify customers of a data breach using certified mail.
New Funding or Appointing Members to the BoardDirectors and Officers (D&O)
After you raise a round, your investors, officers and directors might require D&O. D&O will protect their personal assets in a lawsuit due to their decisions.
Providing Services or AdviseE&O / Professional Liability
If your company provides professional services and advice to other companies, and those acts result in damages or a lawsuit, professional liability will cover the defense costs and settlement payments.