Insurance for Startups

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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

Starting at



Few or no employees

Often in co-working space

In beta or just launched

Examples of basic policies:

General Liability, Property Insurance or Businesss Owners Policy, Workers Compensation

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Series A+

Actively hiring

A few customers

Growing revenue

Examples of additional policies:

Directors & Officers (D&O), Employment Practices Liability (EPL), Fiduciary,
Keyman Insurance

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Series B+

Repeatable revenues

Customer base growing

Team is scaling

Examples of additional policies:

Product Liability, Crime Insurance, International, Intellectual Property

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As featured in

Expertise empowered by technology

Aon is the leading global professional services firm providing advice and solutions in Risk, Retirement and Health at a time when those topics have never been more important to the global economy.
Expertise. Innovation. Leadership.
countries in which Aon operates
Aon colleagues around the world
risk premium placed annually

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.

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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.

Simple. Fast. Convenient.

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Prefer to speak with a CoverStartups advisor to discuss options?
Call (847) 565-1317

Our Simple Process

All in minutes

Step 1

Tell us about your startup

Complete our simple online application in just a few minutes.

Step 2

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)

Submit documents

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

Unlimited access

Manage your insurance

24/7 access to download policies and certificates, file claims, track payments, plus access to free expert advice.

Step 3

Purchase coverage

You can pay annually or monthly via credit card or ACH and download your proof of insurance coverage instantly.

Highly skilled advisors dedicated to startups

High-tech but also high-touch. Speak with an advisor who can guide you every step of the way.


Your Personal Advisor
Free & Friendly
(847) 565-1317

When and why getting insurance as a startup

There are many situations when you need to have insurance

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.

Have a specific question about your startup?

Give us a call at (847) 565-1317

Best in class insurance partners

Startups at every stage and in every industry rely on us for insurance

What startups are saying

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
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CoverWallet understands startups
Mobile/Consumer internet
Raised $27M

Manage your insurance online

Make a payment
Download and share a Certificate of Insurance (COI)
File a Claim

Tens of thousands of companies rely on us

We can help you save time, money and frustration

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