Nadler Insurance
Industry Specialty

Tech Startup Insurance

Coverage built for the way tech companies actually work. D&O for your board, E&O for your product, cyber for your data — from seed stage to IPO.

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Tech Companies We Insure

Pre-seed & seed stageSeries A & B companiesSaaS & cloud platformsAI & machine learningFintech & paymentsHealthtech & biotechDeveloper tools & APIsConsumer apps & marketplaces

Essential Coverage for Tech Companies

Tech risks are different. Your software, your data, your leadership decisions — each needs specialized protection.

Directors & Officers (D&O)

Protects founders and board members from personal liability for management decisions. Essential for venture-backed startups — investors often require it before funding.

Errors & Omissions (E&O)

Professional liability for software bugs, service failures, or missed deliverables. When your code causes a client's system to crash, E&O responds to cover damages and defense costs.

Cyber Liability

Data breaches, ransomware, and network intrusions. Covers breach response costs, notification expenses, regulatory fines, and business interruption from cyber events.

Employment Practices (EPLI)

Wrongful termination, discrimination, harassment claims. California's employee-friendly laws make EPLI coverage critical as your team grows.

Technology E&O

Specialized professional liability for technology services — covers failures in your software, hosting, or tech services that cause client losses.

Media Liability

Copyright infringement, defamation, and IP disputes related to your content, app store presence, or marketing. Important for consumer-facing tech companies.

Coverage by Funding Stage

Your insurance needs evolve as you grow. Here's what to expect at each stage.

Pre-Seed / Bootstrapped

Basic general liability, cyber liability, and possibly E&O depending on your product. Keep costs low while maintaining essential protection.

Seed / Angel Round

Add D&O insurance — investors will expect it. Increase cyber limits. Consider EPLI as you start hiring.

Series A+

Full D&O with Side A coverage, robust cyber and E&O limits, EPLI, fiduciary liability if you offer benefits. Start thinking about IPO/M&A reps & warranties.

Pre-IPO / M&A

IPO-ready D&O with proper tail coverage, increased limits across all policies, reps & warranties insurance for deals.

Why Bay Area Startups Choose Nadler

Startup-Savvy Coverage

We understand the startup lifecycle — from seed to Series C and beyond. We build coverage that scales with you, not policies designed for traditional businesses.

VC & Investor Ready

We know what investors look for. D&O, cyber, and E&O coverage that satisfies term sheet requirements and due diligence checklists.

Tech-Focused Carriers

We work with carriers that specialize in technology risks — not just general commercial insurers. Better coverage terms, better pricing, better claims handling.

Rapid Turnaround

Closing a round and need coverage fast? We move at startup speed. Quick quotes, fast binding, and certificates when you need them.

The Nadler Approach

We're advisors, not order-takers. When you work with Nadler, you get an insurance partner who understands tech — the funding cycle, the product risks, the rapid scaling. We build coverage that makes sense for where you are today and where you're headed.

Since 1927, we've been helping Bay Area businesses navigate insurance. Being in San Carlos puts us right in the heart of the Peninsula tech ecosystem. We know the landscape, and we're here to help you move fast without leaving yourself exposed.

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Tech Startup Insurance FAQs

When should a tech startup buy D&O insurance?
As soon as you take outside investment. VCs and institutional investors typically require D&O coverage before funding closes. Even at the seed stage, D&O protects founders from personal liability for company decisions. If you're bootstrapped, D&O becomes important once you have a board, investors, or significant business scale.
What's the difference between E&O and Technology E&O?
Traditional E&O (professional liability) covers mistakes in professional services and advice. Technology E&O is specifically designed for tech companies and covers failures in your technology products — software bugs, system outages, data loss, or security failures that harm your clients. Most tech companies need Technology E&O rather than traditional E&O.
How much cyber liability coverage does a startup need?
It depends on the data you handle and your contract requirements. SaaS companies handling customer data typically need $1-5 million in cyber coverage. Enterprise clients and SOC 2 compliance often require higher limits. We'll help you assess your exposure and match coverage to your actual risk profile.
Do VCs require specific insurance coverage?
Most VCs require D&O insurance before closing a round. Many also expect cyber liability and E&O, especially for B2B SaaS companies. Some term sheets specify minimum coverage limits. We work with many venture-backed companies and can help you meet investor requirements efficiently.
What insurance do I need for SOC 2 compliance?
SOC 2 doesn't mandate specific insurance, but enterprise customers and auditors expect to see cyber liability coverage as part of your security program. Professional liability (E&O) is also commonly expected. We can help you build coverage that satisfies enterprise procurement requirements.

Ready to protect your startup?

Get investor-ready coverage from a broker who understands tech.

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