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Protect Your Runway. Secure Your Next Round.

Fast, frictionless commercial insurance for Seed and Series A startups. Built for SaaS, AI, Fintech, and Healthtech.

You’ve survived the seed stage, found product-market fit, and are gearing up for Series A. Now, the stakes are higher. Board members want protection, enterprise clients demand compliance, and your growing team introduces new risks. At Insuranceisland, we build your insurance stack so you can focus on building your product.

The Founder's Insurance Checklist

(What you actually need, and why you need it right now)
insurance

Directors & Officers (D&O) Liability

The VC Requirement: If you are taking institutional money from firms like YC, Andreessen, or Sequoia, they will require D&O to sit on your board.
What it does: Protects the personal assets of founders and board members if they are sued over company management decisions.
network

Tech Errors & Omissions (Tech E&O)

The B2B Deal Closer: Enterprise clients will ask for this in their vendor agreements. Don’t lose a six-figure SaaS contract because you lack coverage.
What it does: Covers you if your software crashes, your AI gives bad advice, or your product fails to perform as promised, causing financial loss to a client.
cyber

Cyber Liability

The Data Shield: Non-negotiable for anyone handling sensitive data.

What it does: Pays for recovery, legal fees, and customer notification if you suffer a data breach, ransomware attack, or hack.

recruitment

Employment Practices Liability Insurance (EPLI)

The Scaling Necessity: Once you cross 10-15 employees, your risk of HR-related claims spikes.
What it does: Protects your company against claims of wrongful termination, discrimination, or harassment.
workers-compensation

The Basics: General Liability (GL) & Workers' Compensation

The Legal Baseline: Required by law and landlords. GL covers basic slip-and-falls and property damage; Workers’ Comp protects your employees if they get injured on the job.

Directors & Officers (D&O) Liability

The VC Requirement: If you are taking institutional money from firms like YC, Andreessen, or Sequoia, they will require D&O to sit on your board.
What it does: Protects the personal assets of founders and board members if they are sued over company management decisions.

Tech Errors & Omissions (Tech E&O)

The B2B Deal Closer: Enterprise clients will ask for this in their vendor agreements. Don’t lose a six-figure SaaS contract because you lack coverage.
What it does: Covers you if your software crashes, your AI gives bad advice, or your product fails to perform as promised, causing financial loss to a client.

Cyber Liability

The Data Shield: Non-negotiable for anyone handling sensitive data.
What it does: Pays for recovery, legal fees, and customer notification if you suffer a data breach, ransomware attack, or hack.

Employment Practices Liability Insurance (EPLI)

The Scaling Necessity: Once you cross 10-15 employees, your risk of HR-related claims spikes.
What it does: Protects your company against claims of wrongful termination, discrimination, or harassment.

The Basics: General Liability (GL) & Workers' Compensation

The Legal Baseline: Required by law and landlords. GL covers basic slip-and-falls and property damage; Workers’ Comp protects your employees if they get injured on the job.

Tailored for Your Vertical

Every tech sector has unique blind spots. We customize your policy to fit your specific risk profile:

  • AI Startups: Specialized Tech E&O that addresses algorithmic bias, copyright infringement claims (IP), and automated decision-making errors.
  • Fintech: Enhanced Cyber coverage for financial data and Fidelity Bonds to protect against employee theft or fraud.
  • Healthtech: HIPAA-compliant Cyber Liability and specialized E&O to cover software that impacts patient care and protected health information (PHI).
  • B2B SaaS: High-limit Tech E&O to meet strict enterprise procurement requirements and cover third-party server downtime (AWS/GCP outages).

Get Back to Building

No 20-page PDFs. No insurance jargon. Just the exact coverage your term sheet requires, delivered fast.
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