THE MILESTONE MINDSET
Coverage & service
that adapts as you grow.
As you move along your startup journey, your risks will evolve and your stakeholders will change. Vouch ensures you stay ahead of new risks with access to the appropriate coverages and specialists.
FOR EARLY STAGE
Seed to Series A
FOR SCALE
Series B to Exit
SCROLL FOR MILESTONES
Learn why Vouch is the best insurance for early stage technology startups.
Learn how Vouch Horizon better serves mature technology companies.
The Start
You, your cofounders, and your big idea.
In the early days, risk management is not top of mind. And that’s okay–Your biggest risk is whether you get into YC. We get it.
Seed Funding
Your startup is real.
And in the moments between chasing customers and iterating on your MVP, you’re choosing the tools and partners that comprise your “startup stack”, like payroll, corporate cards, and yes, business insurance.
First Hires
It’s time to build.
Time to hand-select the team that’s going to get you to your first product launch. Even with a team you trust, expanding beyond the founders means that new risks related to employment litigation are introduced.
ACTIVATE COVERAGES
Workers Compensation
A requirement in nearly every state, and often provided directly by your HR software platform. Learn more.
Employment Practices Liability
Recommended when you have five or more employees, or after the first hire if you operate in a highly litigious state like CA or NY.
Product Launch
Getting customers on board.
Things are getting real! Your product is out there, and you have paying customers relying on you. Now is the time to make sure you’re covered for situations caused by an error or vulnerability in your product.
ACTIVATE COVERAGES
Errors and Omissions
Technology E&O Insurance is important for tech companies. It protects you in situations where an error in your product causes a financial loss for one of your customers.
Cyber
Recommended if your product deals with PII. Cyber insurance usually includes two types of coverage, 1st party and 3rd party, which you can read more about here.
Office Lease
Building a collaboration space.
For many companies, in-person collaboration is irreplaceable. Whether it's a WeWork or a longer lease, this is a good time to check your lease requirements and make sure your General Liability coverage is sufficient.
HOW WE HELP
Instant COIs
There are many reasons you may need a Certificate of Insurance. Customers, lenders, investors, and even landlords often want to see proof that you meet their insurance requirements. You can download a COI from your Vouch Account any time.
Did you know that Vouch partners with WeWork? Hundreds of WeWork clients join the Vouch network every year, and those who do receive a 5% discount.
First Renewal
Looking ahead to next year.
If your business hasn’t changed much, renewing your insurance may be as simple as re-filling your application and clicking submit. But if you’ve grown or pivoted, you should chat with your account manager about whether to update your coverages.
HOW WE HELP
Talk to an expert
It’s helpful to check in with your Account Manager before any big milestone or major pivot. You should also touch base prior to budget planning and a month or two before your renewal date.
Accelerating Growth
Getting ready to scale.
You’ve got traction, now it's time to convince additional investors that you're ready to ramp up. Series A investors will usually require D&O coverage before closing, but having policies in place proactively can make your company more appealing.
Series A
Proactive risk management strategy.
Now is when risk management gets a bit more “hands on”. The stakes are higher, and more finances are at risk. You may choose to delegate insurance responsibility to a leader with operations or risk management experience.
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Welcome to Vouch Horizon!
Time to meet your Vouch Scale Team. At this stage, ownership of your account will likely transition to a dedicated Scale account manager. This means a deeper partnership with Vouch and access to industry-specific risk specialists to ensure that you’re taking a proactive approach towards risk management.
Large Customer
Landing your first whale.
Big clients come with high expectations–especially if they’re used to partnering with established companies. Customers often have their own insurance requirements, so you should review your policies to make sure they’re aligned.
HOW WE HELP
Advisor Contract Reviews
Sometimes customer requirements can be unreasonably high. Talk to your insurance advisor about what limits and coverages make sense for your business. We’ll help you review the requirements and, if necessary, even work with your lawyer as they negotiate the contract.
Team Expansion
Scaling up your resources.
It’s time to add more specialized roles to help accelerate growth. As you increase your headcount, more team members will have access to sensitive financial information, and the risk of employment litigation increases overall.
ACTIVATE COVERAGES
Crime
Crime insurance helps mitigate the losses if a bad actor within your company were to commit certain types of financial fraud.
Fiduciary Liability
Adding more benefits helps to attract the best talent. Fiduciary Liability insurance is designed to cover mistakes and oversights in benefits administration.
Employee Benefits Liability
Employee Benefits liability offers protection for claims arising out of errors or omissions in the administration of employee benefits programs.
Series B, C, & Beyond
Accelerating the Momentum.
You've achieved product-market fit and it's time to scale. Risk management becomes more complex as your company grows, so ensure your Vouch Insurance Advisor is connected with your expanding risk team.
HOW WE HELP
Talk to an expert
Reach out to your Account Manager at the “celebration” moments. This includes revenue, fundraising, hiring, and product milestones.
First Claim
Weathering the storm.
Of course, you never know when it will happen, but by this stage there’s a good chance you’ve experienced your first claim, whether it’s a broken laptop or an employee lawsuit.
HOW WE HELP
Rapid Incident Response
Vouch should always be your first point of contact when an incident occurs. We’ll partner with you and your attorney to develop a plan to resolve your claim successfully, whether that means settling or litigating. And if you don’t already have an attorney, we’ll even connect you with a qualified law firm.
Managing Unique Risks
Building a more tailored package.
There are many reasons why you may need specialty insurance. Perhaps you need coverage for specific risks like Warehouse Management Liability or Medical Malpractice Insurance. Or maybe you need a more comprehensive program with higher limits.
EXCLUSIVE FEATURE
Vouch Specialty
Vouch’s in-house brokerage team has full access to the same market as a traditional broker, so you can get custom or unusual coverages with a best price in the market.
Exit
Entering a new chapter.
It’s the moment you’ve been working towards! Whether you’re being acquired or introducing your IPO, make sure you’re covered before and after the i’s are dotted and t’s are crossed.
ACTIVATE COVERAGES
Tail Coverage
Tail coverage can protect your company from claims that are reported after your insurance policy ends. Specifically, D&O tail coverage is important if your company is being acquired, because it offers protection from wrongful acts that occurred prior to the acquisition. Learn more.
Reps and Warranties
If your company is being acquired, you should add reps and warranties insurance. This policy covers situations where there has been a breach of the representations in the transaction agreements.
Public D&O
If you’ve decided to go public, you will need to switch from a Private D&O policy to a Public D&O policy.