Insurance for High-Growth Startups

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Tailored insurances requirements for startups

Your costs increase as your revenues, employee count, office space, etc., grow

Starting at



Few or no employees

Sometimes coworking space

Pre-launch or just launched

Example of policies:

Basic / cheapest General Liability, Property or BOP (Liability+Property bundle)

Maybe: Workers Comp, Tech E&O, Cyber

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Series A+

Actively hiring

A few customers or revenues

Example of additional policies:

Directors and Officers (D&O), EPL, E&O, WC, Keyman, Employee Benefits Liability, Umbrella, or Auto

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Series B+

Repeteable revenues

Customers and employees scaling

Example of additional policies:

Product Liability, IP, Fiduciary, Crime, or International Policies

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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.

Our Simple Process

All in minutes

Step 1

Submit your application

Complete our simple online application in a few minutes. We only ask what is neccesary.

Step 2

Review quotes instantly

For most products (e.g., General Liability, Workers’ Comp, or E&O) get your tailored quotes instantly. You can also speak to us to discuss options and tradeoffs.

Step 2+ (optional)

Submit documents (if necessary)

Some products like Directors and Officers insurance (D&O) will require you to provide additional documentation (e.g., financials).

Unlimited Access


24/7 access to your account to download policies and certificates, file claims, make payments and more. With access to an expert, all free.

Step 3 - Voilà! You are insured

Pay (annually / monthly)

Digital signature + pay via credit card or ACH, and be insured today. Download your Certificate of Insurance (COI) instantly.

High tech, but also high touch

Your own personal insurance advisor

Free access to your own personal advisor who understands venture backed startups.

You can call now! (646) 759-1612


Your Personal Advisor
Free & Friendly
(646) 759-1612

When and why getting insurance as a startup

Some examples

Signing an office lease

Liability 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 employee

Workers’ 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 contract

General, Professional or Product Liability

Third party companies, especially big ones, may require you to have some insurance in place.

Saving Client Information

Cyber 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 Board

Directors 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 Advise

E&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.

Startups in every industry rely on us

What our happy customers say

Coverwallet helped us with both the plain vanilla and complicated policies
Health IT
Raised $15M
My insurance scaled with my business. I only paid for what I needed at each stage
Raised $16M
CoverWallet understands startups
Mobile/Consumer internet
Raised $27M

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