Startup insurance
that grows with you.
Your risks change at every growth stage. We'll help you carry the right coverage as you scale, with a dedicated advisor who knows startups.
Coverage that grows with your startup
Wherever you are, we'll help you figure out what you actually need.
Raising your first rounds
Investors come with requirements. Most ask for directors and officers (D&O) coverage before they'll fund, and your first hire makes workers' comp mandatory. We'll help you put the essentials in place so nothing stalls your raise.
What to keep top of mind
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Directors and officers (D&O)
What investors require before they'll wire.
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Workers' compensation
Required the moment you make your first hire.
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General liability
Often required by clients, partners, and leases.
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Cyber
Protects the customer data you're already collecting.
Your first priced round
A priced round means a board, and a board means real leadership liability. Your team is growing and enterprise customers are starting to ask for proof of coverage in contracts. We'll help you level up before it holds up a deal.
What to keep top of mind
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Directors and officers (D&O)
Bigger now that you have a board and investors.
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Employment practices (EPLI)
A growing team raises the odds of a claim.
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Professional liability (E&O)
Enterprise clients start requiring it in contracts.
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Cyber
More users and data mean a bigger target.
Scaling up
Bigger teams, bigger contracts, bigger scrutiny. Customers and partners expect higher limits, and the benefit plans you now offer bring fiduciary responsibility. We'll help you scale your coverage without overpaying for it.
What to keep top of mind
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Robust D&O
Larger boards and more investors demand more.
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Employment practices (EPLI)
A recurring exposure once you're at scale.
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Higher limits
Bigger contracts and partners require them.
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Fiduciary
Managing benefit plans creates new responsibility.
Preparing for what's next
A raise, sale, or IPO puts your leadership under the microscope. You'll need public-company-grade D&O, higher limits, and protection as the organization grows more complex. We'll make sure you're ready before diligence starts.
What to keep top of mind
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Public-company D&O
For a raise, sale, or IPO.
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Full management liability
D&O, EPLI, and fiduciary at the highest levels.
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Crime
Larger organizations face more internal fraud risk.
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Excess and global limits
To match your footprint.
Why founders choose Coverdash
Insurance shouldn't slow you down or eat your runway. Here's how we keep pace with founders.
Fluent in every stage
Our advisors know the road from pre-seed to IPO, and what each round demands. We scale your coverage as you grow, so you're never over- or under-covered.
Built for diligence
Investors and enterprise customers want proof, fast. Get the D&O, certificates, and higher limits they require in minutes, not weeks.
Kind to your runway
40+ insurers compete for your business, so you carry exactly what your stage needs, and not a dollar more.
Fluent in every stage
Our advisors know the road from pre-seed to IPO, and what each round demands. We scale your coverage as you grow, so you're never over- or under-covered.
Built for diligence
Investors and enterprise customers want proof, fast. Get the D&O, certificates, and higher limits they require in minutes, not weeks.
Kind to your runway
40+ insurers compete for your business, so you carry exactly what your stage needs, and not a dollar more.
Policies Sold
Top Rate Insurers
Industries Covered
Trusted by 40+ leading carriers
Startup insurance FAQs
It depends on your stage. Early on, most startups start with general liability, workers' comp once you hire, and cyber. As you raise and grow, directors and officers (D&O), professional liability (E&O), and employment practices (EPLI) come into play. Your Coverdash advisor helps you figure out exactly what fits where you are.
Often, yes. Many make directors and officers (D&O) coverage a condition of funding, sometimes written right into the term sheet. It protects your leadership personally if they're sued over a business decision, so if you're raising, it's worth having in place before you close.
Sooner than most founders think. The day you make your first hire, workers' comp is required in most states. The day you take investor money, they'll likely ask for D&O. A client or landlord may ask for proof of general liability before either. Getting the basics in place early is cheap and keeps a deal or a raise from stalling.
Your risks grow with you. A board brings D&O, a bigger team brings EPLI, enterprise customers bring higher limits and E&O, and nearing an exit brings public-company-grade D&O. Your advisor adjusts your coverage at each stage, so you're never over- or under-insured.
Often, yes. Enterprise customers routinely require proof of coverage, cyber, professional liability, or higher limits, before they'll sign, and it comes up in SOC 2 and vendor reviews. Coverdash can get you the certificates and limits you need in minutes.
It depends on your stage, industry, team size, and coverage. Because Coverdash is a marketplace, 40+ insurers compete for your business, so you get the lowest available rate for your stage. Get a quote to see your pricing in minutes.
“Outstanding experience all around. They were thoughtful, efficient, and delivered exactly what I needed for my company’s insurance and no upselling, just straightforward guidance. Would absolutely work with him again.”
Patrick S.
“I found them while searching for new commercial insurance. They are fantastic. The one thing that is most important is communication. They do a great job with communicating everything with us, along with trying to find us the best deal possible. I would recommend Coverdash to others.”
Lisa S.
“Coverdash has been amazing to work with! They listened, truly listened, to what I needed. I am in a niche market, and no one from the 10 other companies I tried to work with would listen. They were quick to make progress on a quote and kept me in the loop the whole way. I would 💯 suggest working with them.”
Mandy M.
“My csr has been wonderful!!! The most helpful and quickly, very quickly helped me get certificates to the marinas. Excellent at explaining and helping me!!!”
Terry N.
“Coverdash did a great job of getting us a quote and saving us money! They did well at communicating and answering our questions.”
Bonnie M.
“What a good experience . I had been unsuccessful in trying to get General liability for my business . They were very professional and tireless in getting two bids for me .They were patient with my struggles trying to navigate the technical end of things telling me they would help me every step of the way and they did just that ..even reading the exclusion to me .. They were patient in explaining all the terms I did not understand and sent copies of everything . They were prompt to respond to my calls and I will definitely use them again for all my insurance needs.”
Joey W.
“They helped me secure & submit insurance requirements with less than a 24 hour timeline. It was the difference between getting a contract or not for me, even though the time crunch wasn’t their problem, they helped me secure what I needed to make it happen. When AI and computers have limits, a real person knows how to get past hurdles. Highly recommend Coverdash, so glad I found them.”
Whitney C.
“I reached out to Coverdash for assistance with a COI, they were responsive and helpful throughout the process. I appreciate all their efforts to get a COI that suited my needs.”
Michael C.