Built for U.S. small businesses
Business insurance for startups.
Compare coverage for your team, customers, investors, and growing data risks.
Find coverage in about 2 minutes
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Access to 50+ insurance companies, with help comparing the options that fit your business.
What you’ll get
Coverage picked for your business
Options from available carriers
Agent follow-up within 2 minutes
Typical monthly costs
How much does startup insurance cost?
General liability
$30–$50/mo
Technology E&O
$65–$100/mo
Cyber insurance
$90–$130/mo
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.
Real-world risks
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.
The short answer
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.
Common starting points
Coverage that may fit startups
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.
Ready to see your options?
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How it works
- 01
Enter your ZIP
We use it to check state rules and carrier availability.
- 02
Hear from Kinro
A licensed agent texts or emails you within 2 minutes.
- 03
Review your options
Compare relevant coverage, carrier options, and price.
No obligation. Final coverage and pricing depend on underwriting.
Startups insurance FAQ
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.
Ready to see your options?
Start with your ZIP · response within 2 minutes
Why our insurance agency is built different.
We make shopping for insurance simple, fast and transparent.
- Answers in minutes, not days of phone tag, before and after you buy.
- We dig into your real risks so you're never over- or under-insured.
- Independent advice: we compare our carriers to find the right coverage at the best price.
- Before every renewal, we shop the market again to find our clients the best available price.