🛡️ BUSINESS INSURANCE
The Right Insurance for Your Startup
Without the Broker Runaround
Compare top-rated startup insurance providers. GL, BOP, cyber, D&O, workers' comp — find the right coverage in minutes, not weeks.
General Liability
BOP
Cyber Liability
D&O
E&O
Workers' Comp
Our Flagship Insurance Partner
Recommended for startups — fast quotes, startup-native coverage, no broker friction.
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★ Featured Partner
Recommended for Startups
Corgi Insurance
Purpose-built insurance for startups — fast online application, coverage tailored for tech and early-stage companies, no broker runaround.
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Why we feature Corgi: Most startup insurance products were built for traditional small businesses.
Corgi was built specifically for startups — fast quotes, policies that actually cover tech company risks,
and no insurance-broker telephone tag.
All Insurance Partners
Every partner listed is active on BizStackHub. We earn a referral fee when you get a quote — it never affects our recommendations.
CoverWallet
Insurance Broker
AON-backed digital broker. Compare multiple carriers in one place. Good for businesses wanting to shop multiple options fast.
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Embroker
Insurance Platform
Digital insurance platform with expert brokerage backing. Best for startups wanting personalized coverage with tech company policies from A-rated carriers.
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Hiscox
Direct Insurer
Specializes in professional liability, general liability, and BOP for consultants, IT pros, and service businesses. Strong brand, competitive rates.
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Next Insurance
Direct Insurer
Fully digital small-business insurance. Get a quote in minutes, instant coverage, and manage everything online. Popular with contractors and freelancers.
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Progressive Commercial
Direct Insurer
Market leader for commercial auto and fleet insurance. Competitive rates for businesses with vehicles. Also offers general liability and BOP.
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The Hartford
Direct Insurer
One of the oldest and most trusted commercial insurers in the US. Strong BOP, workers' comp, and commercial auto for established small businesses.
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Vouch
Direct Insurer
Startup-focused insurance from an InsurTech built for high-growth companies. Covers D&O, cyber, E&O, and more. Integrates with your cap table stage.
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biBERK
Direct Insurer
Berkshire Hathaway-backed insurer with competitive rates for small business GL, workers' comp, and professional liability. No broker fees.
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Coverage Types Explained
Which policies does your startup actually need? Here's the plain-English breakdown.
General Liability (GL)
Covers bodily injury, property damage, and personal injury claims against your business. Required by most enterprise clients before signing a contract. Start here.
Business Owner's Policy (BOP)
Bundles GL + commercial property at a discount. The standard starter pack for most small businesses. Add riders for cyber, pro liability, or equipment as you grow.
Cyber Liability
Covers data breaches, ransomware, and cyber attacks — legal fees, customer notification, credit monitoring, and business interruption. Non-negotiable for any SaaS or data company.
Directors & Officers (D&O)
Protects founders and board members from personal liability for decisions made on behalf of the company. Most VCs require it before closing a round. Get it 60-90 days before fundraising.
Errors & Omissions (E&O)
Also called Professional Liability. Covers claims that your product or service caused financial harm. Essential for SaaS, consulting, and financial services companies.
Workers' Compensation
Covers employee injuries and occupational illnesses. Required by law in most states once you have W-2 employees. Often available as an add-on to your BOP.
Frequently Asked Questions
What insurance does a startup need first?
Start with General Liability — it covers the most common claims and is required before most enterprise client contracts. Add Cyber Liability if you handle customer data or process payments. If you have employees, add Workers' Comp (legally required in most states). D&O is essential before raising a round. Corgi is built to help startups get the right combination fast.
How much does startup insurance cost?
A basic GL policy starts around $500-$1,500/year. A BOP (GL + property) runs $800-$2,500/year. Cyber liability is $1,000-$7,500/year depending on data volume and revenue. D&O for seed-stage startups is typically $2,000-$8,000/year. Bundled startup policies from Corgi or Vouch often run $2,000-$5,000/year for comprehensive coverage.
Do I need D&O before raising a seed round?
Yes — most VCs require proof of D&O insurance before closing. They're protecting themselves as much as you. Get D&O in place 60-90 days before your target close date so you're not holding up the deal. Many startup-focused insurers (including Corgi) can turn around a D&O policy in days.
What's a Business Owner's Policy (BOP)?
A BOP bundles General Liability and Commercial Property insurance at a discounted rate. It's the standard starter policy for most small businesses. You can add riders for cyber, professional liability, and equipment. BOP is a better deal than buying GL and property separately if you have both needs.
What is the difference between E&O and D&O?
E&O (Errors & Omissions / Professional Liability) covers claims that your product or service caused a client financial harm — e.g., a bug that cost a client money. D&O (Directors & Officers) covers lawsuits against your company's executives for decisions made on behalf of the company — e.g., an investor suing over a misrepresentation. SaaS companies usually need both.
Can I get insurance without a broker?
Yes — Corgi, Next Insurance, Hiscox, and biBERK all offer direct-to-business digital policies without broker involvement. This is faster and typically cheaper. Brokers add value for complex, high-revenue situations where you're shopping multiple carriers and need customized coverage — not for standard startup GL or BOP.