Insurance for startups

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Do startups need insurance?

As a fresh-faced company that's finding its feet, you might not think you need insurance. But new businesses are not immune from claims – startups are more likely to take risks at the early stages and huge pivots can happen at the drop of a hat, so it makes sense to be fully covered in case something goes wrong.

Powered by leading tech, our covers are designed to provide highly-tailored protection at a competitive premium.

  • Pay by monthly subscription to spread costs
  • Change your cover anytime, free of charge
  • Choose from a wide range of covers
  • Build a policy that suits your business

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Flexible monthly subscription. No fees to change or cancel your cover.

What insurance should startups consider?

Whether you're going to be the next big online retailer or you're starting up a management consultancy, it's important to have exactly the right cover so you're always protected for the risks that are most relevant to your business. As you go through our quote builder, you'll be able to choose which covers you want, but here are a few that most startups find suitable.

Public liability insurance

An essential type of cover for anyone working with third-parties, public liability insurance covers claims of accidental injury or property damage as a result of your business from members of the public. This can include clients, customers, couriers – basically anyone that your business interacts with who isn't an employee.

Depending on the industry, some clients or customers may require you to have this type of cover in order to do business with you.

Employers liability insurance

If you're an employer in the UK, you are legally required to have employers liability insurance. As an employer, it's your responsibility to protect the health and safety of your employees. If one of your workers suffered an accidental injury, illness or property damage as a result of working for you, they might want to claim compensation. If this happened, employers liability would cover the legal fees and compensation costs associated with the claim.

Cyber insurance

If you work with sensitive client information or store personal or financial customer or client details, you might want to consider cyber insurance. It offers financial and specialist support in the event of a data breach.

Business contents and equipment

As a startup, you'll likely be investing a lot of your finances in tech, equipment and furniture to get your business off the ground and feeling a little more like a business. But if this equipment was stolen, lost or damaged, business and contents insurance would cover the cost of repairing or replacing it.

Directors and officers insurance

D&O covers personal liability for any mistakes or omissions allegedly made by a company’s management team. That includes any legal defence costs and awards made against them. It's likely your investors require this upon closing your funding rounds.

Why do startups need insurance?

Securing investment

Potential investors will appreciate you having insurance and will consider you a safer bet. You'll always have to take risks, that's what makes you an entrepreneur and startup founder. But having an eye for the key risks of your startup is equally important for investors.

Building your dream team

As your business grows, you'll likely want to hire a dream team of people to help you build your startup even more. While this is super exciting, it also means that you're legally required to get covered. Employers liability insurance is essential for startups looking to scale.

No room for mistakes

As a startup, every penny counts. If something went wrong and you didn't have insurance, the cost of a claim would have to come out of your own pocket, which could make a serious dent in your finances and make it very difficult for your business to recover.

Constant changes

Everyone has a clear picture of startup culture – no two days are the same and everyone is pretty rushed off their feet. One decision could change the entire premise or structure of your startup. Choosing an insurance company that allows for unlimited changes to your policy free of charge will mean that your business is always protected for the things it needs to be as it changes.

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New business claims

The risks that could result in a claim are different for every business, especially if you're a startup, but here are a few examples of claims where the business could be liable.

Damaged laptop

One of your employees spills hot coffee over a client's arm and laptop. Public liability insurance would replace the laptop and pay the legal and compensation costs associated with the claim.

Extreme stress

An employee suffers mental health issues after being in a high pressure environment at work. Employers liability insurance would cover the legal fees and compensation associated with the claim.

Misleading investors

You present misleading information to an investor who loses money as a result. D&O cover would protect your personal assets by covering legal expenses in a lawsuit where they are named individually.

Broken projector

As you prepare to present to potential investors, your digital projector is accidentally broken. A business equipment insurance policy can cover you to repair or replace the item quickly and easily.

How do claims work?


You make a claim

Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.

We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss, type of claim and its detailed description.

You can also attach any relevant supporting documentation like proof of loss or proof of purchase.


We'll get on the case

Once submitted, your claim will be assessed.

If the claim is large, we may need more information from you. Or, if it's small, our team may be able to settle it within a couple of days (or hours, in some cases).

Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.


Your claim is settled

After it's been assessed, we'll let you know if your claim has been successful or not.

If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.

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