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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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Technology E&O Insurance

Code with confidence

Covers software failures, cloud outages, API errors, and professional negligence with defence and settlement costs

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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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Key-Person & Group Health Cover

Protect critical talent

Provides life/disability benefits and health coverage for founders, leadership teams, and key employees vital to operations

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General Liability & Public Liability

Cover day-to-day risks

Covers third-party bodily injury, property damage, and personal injury at offices and events under common law liability

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Business Interruption Insurance

Keep momentum going

Compensates for lost revenue and extra expenses when tech failures, cyberattacks, or property perils halt operations

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Intellectual Property Insurance

Defend your innovations

Provides life/disability benefits and health coverage for founders, leadership teams, and key employees vital to operations

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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

01

Key-Person Risk

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

02

Cyber incidents & customer data exposure

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

03

Director, investor & shareholder disputes

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

04

Employee disputes & workplace claims

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

05

Contract, client & delivery liability

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

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01

D&O Liability Insurance

Essential for leadership protection

02

Technology E&O Insurance

Guard against tech missteps

03

Cyber & Data Breach Insurance

Protect sensitive data and uptime

04

Key-Person & Group Health Cover

Secure your critical talent

05

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

Startup Risk Readiness Checklist 2025

Key covers every founder must have.

Blog

5 D&O Pitfalls for New Ventures

Avoid common governance traps.

Report

India Startup Insurance Landscape

Cover trends in the ₹2.5 L cr ecosystem.

Why Get Insured

Why Startups & Scale-ups Need Specialized Insurance

Cloud Crash Recovery

SaaS startup recouped ₹50 lakh in lost subscriptions thanks to E&O and BI cover.

Founder Suit Defence

Fintech founder defended in a ₹1 cr investor dispute under D&O policy.

Data Breach Response

Marketplace platform managed a major breach with ₹2 cr in cyber cover reimbursements.e

IP Lawsuit Win

Healthtech firm won a patent suit defence case with IP insurance covering ₹30 lakh in legal fees.

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Insurance Partners

We’re Partners With 20+ Major Insurance Companies

Go Digit Life Insurance Limited

Magma HDI General Insurance Company Limited

Royal Sundaram General Insurance Company Limited

ICICI Prudential Life Insurance Company Limited

TATA AIA Life Insurance Company Limited

HDFC ERGO General Insurance Company Limited

Liberty General Insurance Limited

Bajaj Allianz General Insurance

Iffco Tokio General Insurance

Chola MS General Insurance

Reliance General Insurance Company Limited

ICICI LOMBARD General Insurance Company Limited

Go Digit General Insurance Limited

Shriram General Insurance Company Limited

Niva Bupa Health Insurance Co Ltd

Star Health & Allied Insurance Co.Ltd.

Future Generali India Insurance Company Limited

Aviva Life Insurance Company India Limited

The Oriental Insurance Company Limited

United India Insurance Company Limited

Pramerica Life Insurance Company Limited

Aditya Birla SunLife Insurance Company Limited

Kotak Mahindra Life Insurance Company Limited

HDFC Life Insurance Company Limited

The New India Assurance Company Limited

Tata AIG General Insurance Company Limited

Raheja QBE General Insurance Co. Ltd.

National Insurance Company Limited

FAQ's

Does D&O cover investor lawsuits?

Yes- covers legal costs and settlements from shareholder or investor disputes and regulatory investigations.

Is E&O necessary for SaaS and app-based startups?

Absolutely- covers bug-induced outages and platform failures that impact customers.

What triggers Key-Person Insurance payouts?

Death, disability, or critical illness of insured individuals resulting in operational risk.

Are cyber incidents covered for pre-revenue startups?

Yes- policies can be structured for pre-revenue ventures with scaled limits and tailored terms.

Can intellectual property insurance cover patent litigation?

Yes- covers defence costs and settlements for infringement claims up to specified policy limits.

Customers Says..

“They reviewed our old policies and found overlaps + gaps. We ended up with better coverage and cleaner documentation.”

Sanya Shah Ahmedabad

“Renewals used to be chaotic. CoverBizz put a clear tracker in place and coordinated everything with insurers.”

Arjun Reddy Hyderabad

“Fast responses and straight answers- especially when founders need decisions yesterday.”

Kunal Jaipur

Startups move fast - and so should your risk protection.
From boardroom battles to code-level glitches, CoverBizz ensures you’re covered at every step of your journey to scale

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