Stage 1: Formation (Pre-Seed)

Milestones: Incorporation, early banking, MVP build.

• General Liability - if required by landlord/partners; mostly if you have a physical location

• Cyber - starter policy if handling customer data

Stage 2: First Hires + Seed Funding

Milestones: Raise seed round, hire employees, create a board.

• D&O - protects founders/execs from investor & board lawsuits

• EPLI - covers employee claims, like harassment and wrongful termination

• Workers’ Comp - legally required with W-2 hires

Stage 3: Beta Testing + First Customers

Milestones: Paying customers, beta product, enterprise contracts.

• Tech E&O – protects your business if your code/service fails a client

• Cyber Liability – covers breaches, ransomware, privacy violations

• Crime – funds transfer fraud & employee theft

Stage 4: Launch + Growth (Series A–B)

Milestones: Product is live, recurring revenue, scaling investor oversight.

• Expanded D&O – higher limits for bigger board

• Expanded E&O + Cyber – enhanced protection for enterprise deals

• Fiduciary Liability – if offering 401(k) or benefits

Stage 5: Scale + Expansion (Series C+)

Milestones: Multi-state operations, global clients, 50+ employees.

• Global K&R – protects execs traveling abroad

• Higher EPLI & Fiduciary limits – HR/benefit complexity

• Entity Coverage (D&O) – company-level protection for securities suits

Specialized Add-Ons – AI liability, fintech regulatory, IP/media riders

👉 Founder Tip: Insurance should scale with your funding and headcount. Gaps in coverage can derail fundraising, enterprise contracts, or even your exit.

Execurisk helps founders identify blind spots and build coverage that grows with your startup. Ready for a complimentary risk audit? Let’s get it on the calendar!

Tech Startup Insurance Roadmap

A founder’s cheat sheet from launch → scale