Startup insurance stack: D&O, EPLI, cyber, E&O - in one quote

5 questions. Routes to a tech-focused broker who can bundle the 4 policies most funded startups actually need.

1. Stage?

Pre-seed / bootstrapped Seed Series A Series B+

2. Headcount?

1-2 3-15 16-75 75+

3. Industry?

SaaS / B2B software Fintech / regulated Healthtech / HIPAA-sensitive AI / model risk Other (D2C, marketplace, services)

4. Top concern right now?

Board / investor pressure for D&O EPLI before I hire #5+ Cyber breach risk / customer ask E&O for enterprise contracts Bundle 2-4 of these

5. Existing coverage?

None yet 1-2 policies, want to consolidate Renewing soon, want a comparison

Your name: Work email:

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The 4 policies most funded startups actually need

Policy	What it covers	When you need it
D&O	Personal liability for board/officers (suits from investors, employees, customers)	Required by most term sheets at Seed+
EPLI	Employment claims (wrongful termination, harassment, discrimination)	Once you hire employee #5
Cyber	Breach response, ransomware, regulatory fines, customer notification	Whenever you handle customer data
Tech E&O	Errors / omissions in your software / service	Before signing first enterprise contract

Why bundle: tech-focused brokers (Vouch, Embroker) write all 4 from one application. DIY shopping each separately costs 30-50% more in premiums and burns 10-15 hours of founder time.

FAQ

Do I really need D&O at Seed?: Most institutional Seed term sheets require it. Even SAFEs from named accelerators often expect it within 90 days of close.
Is Coalition just cyber?: Mostly yes - Coalition is cyber-first and the strongest underwriter on cyber alone. For D&O / EPLI / E&O bundles, Vouch or Embroker is the better start.
Why not Next Insurance or Hiscox?: Both are fine for general liability or BOP at the small-biz end. They don't underwrite D&O for funded startups, so you'd still need a separate broker.

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