What is Vouch startup insurance?
Vouch is an insurance broker for technology companies, from the first customer contract to an IPO, not an insurer. Its pages say “Insurance products are underwritten by various insurance carriers, not by Vouch.”
Vouch lists core coverages for technology companies, including Tech Errors & Omissions, Cyber Liability and Directors & Officers (D&O). It says it is a licensed insurance producer in the states where it conducts business, and a press note on its site says UK insurer Capsule supports Vouch's US startups with their European insurance needs.
Core coverages Vouch lists for technology companies
- Tech Errors & Omissions
- Cyber Liability
- Directors & Officers (D&O)
- General Liability
- Workers' Compensation
- Employment Practices Liability (EPLI)
- Key Person Coverage
- Crime
- Product Liability
- Umbrella
Source: Vouch insurance for technology companies (vouch.us/technology), Vouch: Startup Business Insurance guide (vouch.us/blog/what-is-startup-business-insurance-and-why-do-i-need-it)
How fast can a startup get covered with Vouch?
Vouch says many companies secure coverage and proof of insurance within days, and for smaller programs it can take as little as minutes through its digital platform. Its startup guide says coverage can typically be bound in 24 to 48 hours, with a certificate of insurance issued the same day.
Vouch also reports 81% same-day quoting on its site. Its advice is to build coverage before a deal needs it: an investor who asks for a certificate of insurance before wiring funds can delay your close if you have none.
Source: Vouch insurance for technology companies (vouch.us/technology), Vouch: Startup Business Insurance guide (vouch.us/blog/what-is-startup-business-insurance-and-why-do-i-need-it)
How much does startup insurance cost with Vouch?
Vouch publishes example annual premiums by funding stage rather than a price list: at pre-seed General Liability is $400 to $750 a year and Cyber is $750 to $1,500 while at seed D&O is $3,000 to $8,000.
A typical seed-stage SaaS company with 10 employees may spend $12,000 to $20,000 per year on a stack of General Liability, D&O, Cyber and Crime. The ranges are median pricing across more than 3,000 startups, and Vouch says actual pricing varies by industry, location, claims history, company stage and the limits you choose.
After Series A, Vouch gives no ranges: Umbrella, Fiduciary, Media, Key Person and Side A DIC depend too heavily on your own exposures.
Example annual premiums in Vouch's startup guide
- General Liability: $400 to $750 at pre-seed and seed, $750 to $1,500 at Series A
- Cyber: $750 to $1,500 at pre-seed, $1,500 to $3,000 at seed, $3,000 to $8,000 at Series A
- D&O: not yet needed at pre-seed, $3,000 to $8,000 at seed, $8,000 to $20,000 at Series A
- Crime or Fidelity: $1,000 to $2,500 at seed and Series A
- E&O or Professional Liability: $4,000 to $12,000 at Series A
- EPLI: $2,000 to $5,000 at Series A
Source: Vouch: Startup Business Insurance guide (vouch.us/blog/what-is-startup-business-insurance-and-why-do-i-need-it)
What insurance do investors require before a seed round?
Vouch says institutional investors commonly require D&O before wiring seed funds, and some also ask for Crime or Fidelity coverage. At Series A, investors and new board members may specify D&O limits of $2M to $5M.
Vouch advises revisiting your D&O limit after each round: a $1M policy may work early on but become insufficient as you raise more capital.
D&O limit by total capital raised, per Vouch's guide
- Up to about $5M raised: $1M is typically enough
- $6M to $20M raised: $2M to $3M covers most companies
- $20M to $60M raised: $3M to $5M
- More than $60M raised: $5M or more
Source: Vouch: Startup Business Insurance guide (vouch.us/blog/what-is-startup-business-insurance-and-why-do-i-need-it)
What perks do Vouch clients get?
Vouch says clients get preferred pricing and tailored perks from 30+ industry leaders, grouped by category such as security, human resources, banking, accounting, equity management and compliance. The perks page gives no fixed discount amount.
The offers are described in general terms, for example “extended free usage” on a security tool and “exclusive savings” on accounting support, so check each partner's terms before counting on a figure.
Source: Vouch client perks (vouch.us/perks)
Is Vouch a startup voucher or discount?
No: Vouch is an insurance broker, so there is no voucher code or fixed discount to claim, and its startup pages publish none. The Portuguese Startup Voucher is a separate EU-cofinanced scheme run through Startup Portugal, and its page says “These Notices are now closed”.
Startup Portugal describes its voucher as financial support for startups with projects in digital areas, amounting to 30,000 euros per beneficiary. It is unrelated to Vouch.
Source: Vouch insurance for technology companies (vouch.us/technology), Startup Portugal: Vouchers for Startups (startupportugal.com/programa/vouchers-for-startups-new-digital-technological-...)
