Kinro

Built for U.S. small businesses

Business insurance for startups.

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Startup team working together

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does startup insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$30–$50/mo

General liability

$65–$100/mo

Technology E&O

$90–$130/mo

Cyber insurance

What insurance can help protect

Fundraising and board risk

Investors, directors, officers, debt, or board decisions can create management-liability questions.

Customer contract requirements

A customer asks for E&O, cyber, GL, specific limits, or certificate wording before signing.

Data and product exposure

Cyber and E&O can matter when the company handles customer data, software, AI workflows, or professional deliverables.

Coverage to consider

D&O

Directors and officers coverage can matter after fundraising, board formation, or investor involvement.

Professional Liability / E&O

Can help with claims tied to software, advice, deliverables, implementation mistakes, or missed obligations.

Cyber

Important when the startup stores customer data, uses cloud vendors, accepts payments, or faces security questionnaires.

General Liability

Often requested by offices, events, enterprise customers, landlords, or certificate requirements.

Workers Compensation

Relevant once the startup hires employees, with state, payroll, and role questions.

EPLI

Can matter as the team grows and employment-related risk becomes more meaningful.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

startups questions?We have answers.

What insurance do startups usually need first?
Many startups first see general liability, workers comp, cyber, E&O, or D&O questions depending on customers, employees, fundraising, and contracts.
When does D&O matter for a startup?
D&O often becomes more important when the company raises money, adds investors, creates a board, takes on debt, or has governance obligations.
Why do startups get asked for E&O or cyber?
Customers may ask for E&O or cyber when they rely on your software, services, data handling, security controls, or professional deliverables.
Can Kinro review a customer contract or investor request?
Yes. Share the contract language or request and Kinro can help identify the insurance coverages, limits, and next steps.
What can change the price?
  • Product, customer contracts, data handled, and annual revenue
  • Funding stage, board composition, headcount, and prior claims
  • Limits, security controls, regulated data, and global operations

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.

What insurance does a startup need?

Most startups start by matching insurance to their stage: general liability for basic certificate requests, workers comp for employees, cyber and E&O for customer data or software work, and D&O when investors, directors, or governance risk become part of the company.

  • Customer contracts often drive E&O, cyber, GL, limits, and certificate wording before a deal can close.
  • Fundraising, outside investors, or a board can make D&O one of the first management-liability questions to resolve.
  • Hiring employees adds workers comp and may create EPLI questions as the team grows.