• Cyber liability insurance helps protect your business when there’s a data breach, cyberattack, or technology failure that impacts your systems, clients, or operations.
     

    Whether it’s ransomware, phishing, or accidentally exposing sensitive data, cyber threats are a real risk for businesses of all sizes — especially those in tech, healthcare, and services. Cyber coverage helps cover the costs of legal defense, customer notification, data recovery, regulatory fines, and even PR response.
     

    If your business stores data, takes payments, or uses software to run — you need cyber insurance.
     

    Why Businesses Need Cyber Coverage:
     

    • Covers costs of data breaches, hacks, and ransomware

    • Helps recover lost data, notify customers, and comply with privacy laws

    • Protects both your business and your clients' data

    • Shows partners and investors you take cybersecurity seriously

    • Often required for vendor agreements and contracts
       

    Five Types of Businesses That Should Absolutely Have Cyber Insurance
     

    1. SaaS Companies and Tech Startups – Core digital operations = core risk

    2. E-commerce or Online Payment Businesses – Processing transactions or storing PII

    3. Healthcare or Fintech Startups – Regulated industries with sensitive data

    4. Professional Services Firms – Especially those managing client data or files

    5. Remote-First Teams Using Cloud Tools – More endpoints = more exposure

  • Description D&O insurance is designed to protect the people who make the big decisions at your company — your founders, executives, and board members — from being held personally liable if something goes wrong.
     

    If your business is accused of things like mismanagement, breach of duty, or misleading investors (even unintentionally), D&O coverage helps cover legal defense costs, settlements, and more. It’s a smart layer of protection that gives your leadership peace of mind — and in many cases, it's something investors and board members expect you to have in place.

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    Why Businesses Need D&O Coverage:
     

    • Protects founders and officers from personal liability

    • Covers claims from investors, regulators, employees, or competitors

    • Required in many venture financing agreements

    • Provides peace of mind to attract and retain experienced board members

    • Safeguards company resources during legal defense
       

    Five Examples of Companies That Should Absolutely Have D&O Insurance
     

    1. Venture-Backed Startups – Especially after raising a seed or Series A round

    2. Companies with a Board of Directors or Advisors – Liability extends to outside advisors too

    3. Firms Handling Sensitive Data or Compliance Risk – Like fintech, healthtech, or SaaS

    4. Fast-Growth Private Companies – Rapid hiring or scaling increases exposure

    5. Businesses Planning M&A, IPO, or Funding Rounds – These trigger higher scrutiny and risktext goes here

  • Errors & Omissions (E&O) insurance protects your business if a client claims your professional advice or service caused them financial harm.

    It’s coverage for the real-world risk that something gets missed, miscommunicated, or doesn’t perform the way your client expected — even if you did everything right. If a client sues over a mistake (or a perceived one), E&O helps cover legal fees, settlements, and defense costs.
     

    For businesses that sell expertise, manage data, or provide a service — this coverage is essential.
     

    Why Businesses Need E&O Coverage:
     

    • Protects your business from costly client lawsuits

    • Covers both actual and alleged mistakes, delays, or oversights

    • Required by many contracts and service agreements

    • Builds trust with clients by showing you're insured

    • Helps preserve your reputation and operations if a claim arises
       

    Five Types of Businesses That Should Absolutely Have E&O Insurance:
     

    1. Consulting Firms – Management, marketing, HR, or IT consultants

    2. Technology Providers & SaaS Companies – Especially those handling client data or uptime

    3. Professional Services Firms – Accountants, architects, designers, engineers, etc.

    4. Real Estate & Insurance Professionals – Licensed reps giving advice or managing client assets

    5. Freelancers or Agencies – Web developers, copywriters, PR pros — anyone who sells expertise

  • Employment Practices Liability Insurance (EPLI) protects your business against lawsuits from employees — current, former, or even candidates — over issues like wrongful termination, discrimination, harassment, or retaliation.

    Even if you have great policies and a strong company culture, defending against an employment claim can be expensive and stressful. EPLI helps cover legal fees, settlements, and judgments so one claim doesn’t derail your business or your leadership team. It’s a smart move for any company with employees — no matter the size.

    Why Businesses Need EPLI Coverage:
     

    • Covers legal costs even if the claim is groundless

    • Protects leadership and HR teams personally

    • Helps defend against claims like harassment, discrimination, or wage disputes

    • Often required or strongly recommended after a company grows past a few employees

    • Shows employees and investors that you take risk management seriously
       

    Five Types of Businesses That Should Absolutely Have EPLI Insurance:
     

    1. Growing Startups – Adding new team members quickly = higher risk

    2. Tech Companies and SaaS Firms – Fast-paced workplaces increase HR complexity

    3. Professional Services Firms – Law firms, accounting firms, marketing agencies, etc.

    4. Retailers and Hospitality Businesses – High turnover industries face frequent claims

    5. Any Company with Employees in California – CA employment laws make EPL claims much more common and costly

  • Fiduciary liability insurance protects your business and its decision-makers from claims related to the management of employee benefit plans — like 401(k)s, health insurance, or retirement savings.
     

    If an employee or regulator alleges mismanagement, errors in plan administration, or failure to act in their best interest, fiduciary coverage helps cover legal fees, settlements, and regulatory penalties. Even honest mistakes can trigger costly lawsuits under ERISA (the Employee Retirement Income Security Act).
     

    If you offer benefits — this coverage isn’t optional, it’s essential.
     

    Why Businesses Need Fiduciary Liability Coverage:
     

    • Covers legal defense against claims of mismanaging employee benefit plans

    • Protects HR teams, executives, and plan administrators personally

    • Mitigates risks tied to fiduciary duty under ERISA regulations

    • Complements your EPLI policy, which doesn’t cover benefits-related claims

    • Signals strong governance and risk management to employees and partners
       

    Five Types of Businesses That Should Absolutely Have Fiduciary Liability:
     

    1. Companies Offering 401(k) or Retirement Plans – Especially if plan decisions are made in-house

    2. Mid-Sized and Growing Businesses – As benefit complexity increases, so does exposure

    3. Companies with In-House HR or Plan Admin Teams – Personal liability risk for fiduciaries

    4. Professional Services or Tech Firms – Often offer robust benefits to compete for talent

    5. Businesses with Health or Welfare Benefit Plans – Claims related to eligibility, contributions, or enrollment errors

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  • Crime insurance protects your business from financial losses caused by internal or external criminal acts — including employee theft, embezzlement, forgery, fraud, or electronic funds transfer scams.
     

    Even with strong controls in place, businesses can be vulnerable to dishonest employees, cybercriminals, or social engineering schemes. Crime coverage helps cover stolen funds, legal costs, and the fallout of financial misconduct — so your business isn’t left absorbing the damage.
     

    It’s an essential layer of protection for companies managing cash, payroll, or sensitive financial systems.
     

    Why Businesses Need Crime Insurance:
     

    • Covers employee theft, embezzlement, and wire fraud

    • Helps recover losses from forgery, check tampering, or computer fraud

    • Fills gaps not covered by cyber or property policies

    • Protects your balance sheet — not just your assets

    • Often required for finance, compliance, or vendor contracts
       

    Five Types of Businesses That Should Absolutely Have Crime Coverage:
     

    1. Companies with Payroll or Finance Teams – Risk of internal theft or fraud

    2. Tech Startups with Wire Transfers or Bill Pay Systems – Prime targets for phishing scams

    3. Professional Services Firms Handling Client Funds – Adds fiduciary-like exposure

    4. Retail or E-commerce Businesses – Susceptible to employee theft or payment fraud

    5. Nonprofits or Companies with Limited Oversight – Often targeted due to weaker controls