Startups & Scale-ups Industry

Launch Fearlessly: Insurance for India’s Next Unicorns

Whether you’re in seed stage or scaling globally, startups face unique perils – from tech glitches to investor disputes. Our insurance solutions protect your vision, people, and investors so you can focus on growth without worry.

Startups & Scale-ups Industry

Insurance Products

Directors & Officers (D&O) Liability

Shield your leadership

Covers civil, regulatory, and securities claims against founders and executives for decisions causing financial loss or governance breaches

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Errors and Omission

Deliver with confidence

Covers claims alleging professional negligence, errors, or omissions in your services that cause client financial loss, including legal defence costs and settlements, useful for SaaS, IT services, agencies, and platforms.

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Cyber & Data Breach Insurance

Guard your data

Covers ransomware, data theft, business interruption, and regulatory fines under IT Act 2000 and GDPR-like requirements for platforms

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Group Health Insurance

Keep your team covered

Provides medical coverage for employees and often their dependents, helping startups attract talent, improve retention, and protect teams from unexpected healthcare costs as the company scales.

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Business Interruption Insurance

Protect your workspace

Covers physical loss or damage to office premises, furniture, fixtures, equipment, and stock due to fire and allied perils (as per chosen cover), helping startups recover faster from major property setbacks.

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Trusted By 1500+ Enterprises

Join startups and scale-ups who trust CoverBizz to power their growth

What Keeps Startup Founders Up at Night?

Top 5 Current Risks

Key-Person Risk

Loss of a founder or CTO can stall growth, delivery, and fundraising momentum.

Cyber incidents & customer data exposure

Breaches, ransomware, and credential leaks disrupting product, trust, and daily operations.

Director, investor & shareholder disputes

Board decisions questioned, misstatements, governance gaps, or fundraising-related conflicts.

Employee disputes & workplace claims

Wrongful termination allegations, harassment complaints, and compliance escalations during rapid hiring.

Contract, client & delivery liability

Missed SLAs, errors, and customer claims triggered by outages, bugs, or service failures.

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D&O Liability Insurance

Essential for leadership protection

Technology E&O Insurance

Guard against tech missteps

Cyber & Data Breach Insurance

Protect sensitive data and uptime

Key-Person & Group Health Cover

Secure your critical talent

General Liability Insurance

Cover everyday business risks

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How CoverBizz Empowers Your Startup Journey

Most Bought Insurance

Professionals Covered

Founders & C-Suite

D&O and key-person protection

Engineering & IT Teams

Tech E&O and cyber liability

Employees

Group health, general liability, and public liability

Investors & Board Members

D&O and governance coverage

IP Owners

Intellectual property litigation defence

Clients & Partners

Third-party liability protection

Inclusions & Exclusions

Inclusions

Leadership Claims

Legal defence and settlements for D&O suits

Tech Failures

API errors, cloud downtime, and software bugs under E&O

Cyber Events

Ransomware, data breaches, and BI losses

Key-Person Benefits

Life, disability, and health cover for critical staff

Office Liability

Third-party injury and property damage at premises

Exclusions

Prior Known Claims

Incidents pending before policy inception

Contractual Penalties

Liquidated damages or performance fines

Intentional Misconduct

Fraudulent acts by insured individuals

Patent Invalidity

Defence costs for patents later invalidated

Consequential Losses

Indirect revenue or reputational losses beyond BI limits

Insights & Resources

Guide

Founder Risk Protection Checklist

Founders get sued as people, not just as a company name. A clean board structure plus the right D&O setup helps protect personal assets and keeps governance investor ready.

Why D&O Insurance Matters Before Fundraising

Investors do not just fund growth, they fund governance. D&O signals you take risk management seriously and helps protect leadership when claims come from shareholders, employees, regulators, or even customers.

Professional Indemnity for Startups, Explained

If you sell services, clients can claim your work caused financial loss. Professional Indemnity, also called Errors and Omissions, helps cover defence costs and damages from negligence, errors, or omissions, including software bugs and missed deliverables depending on allegations and policy terms. Sources: