You've outgrown your click-to-bind policy. Your investors are asking about coverage gaps. We speak fluent VC — and we know exactly what coverage you need at every funding stage.
Lead investors at top-tier VC firms now run structured insurance audits before term sheets go out. We've mapped exactly what coverage you need at each stage — from Seed to Series C — to pass every time.
We benchmark your limits against peer companies, prepare your management team for underwriter questions, and make sure your coverage documentation satisfies investor due diligence on the first pass.
Stage-Specific Guidance: We know exactly what investors expect at Pre-Seed, Seed, Series A, B, and C+.
Investor-Ready Docs: Coverage documentation that satisfies due diligence on the first pass.
Growth-Ready: Your program scales with you. We proactively adjust coverage as you hire, fundraise, and expand.
→ From the blog: 6 reasons high-growth companies should buy D&O coverage now
Yes. VC term sheets, customers, landlords, and partners often require specific policies — D&O, Tech E&O, Cyber, EPL — at minimum limits, with additional-insured or waiver-of-subrogation language. We read your contracts and term sheets, place coverage that satisfies those requirements, and issue certificates of insurance quickly so fundraising or a deal never stalls on paperwork.
Most VCs require D&O (Directors & Officers) insurance at Series A close. Many also expect Cyber liability, Tech E&O, and EPL (Employment Practices Liability). A coverage review before fundraising ensures your policies match typical investor requirements.
Total insurance spend at Seed/Series A typically runs $8,000 to $50,000 per year across D&O, Cyber, E&O, EPL, and GL. AI companies and crypto companies pay more. The right mix depends on your industry, contracts, headcount, and funding stage.
Switch when your business model no longer fits standard insurance products — typically when raising institutional capital, working with enterprise customers with demanding contract requirements, or operating in an industry generalist carriers don't understand (AI, crypto, emerging tech).
Yes. Workers compensation is required by state law for employees based in that state, even if your company has no physical office there. Most states require coverage for as few as 1–3 employees. Alton Risk handles multi-state compliance.
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