Everything you'll need
to grow, all in one place.

With prices on average
13% cheaper, never shop
for business insurance again.
With prices on average 13% cheaper,
never shop for business insurance again.
GET COVERED
OUR INSURANCE PRODUCTS
OUR COVERAGES
General Liability
GL
General Liability, Commercial General Liability, GL, or Liability coverage

General Liability coverage covers your startup when someone claims advertising injury, a customer gets hurt by your product, a visitor gets injured at your office, or a visitor's property is damaged. General Liability is sold with our Business Property coverage, in a combination sometimes referred to as a "Business Owner Policy."

Includes
• Product and Completed Operations
• Personal & Advertising Injury
• Damage to Rented Premises
• Premises and Operations

“Virtually every business should carry “general liability” insurance if you have a physical presence in the United States.”
From the Stripe Atlas Guide on Managing Risk,
Authored by Patrick McKenzie, Stripe

Business Property
BP
Also known as: Property, Business Personal Property, or BPP

If your lead engineer’s laptop is stolen from your coworking space, we’ll help you replace it.
Business Property is sold with our General Liability coverage, in a combination sometimes referred to as a "Business Owner Policy."

Includes
Business Income Interruption and Extra Expense
• Off-premise Business Personal Property

“It took 6 months to get reimbursed for a stolen laptop by our old insurance company. It’s great to see Vouch doing things differently.”
Samiur Rahman, Co-Founder at Journal

Cyber Coverage
CY
Also known as: 1st Party Cyber, 3rd party Cyber, or Data Breach coverage

We don’t need to tell you how damaging a data breach can be. Our cyber coverage covers your expenses to respond to a breach with services provided by Mullen Coughlin (sometimes referred to as "1st party" in insurance-related contracts) as well as subsequent litigation (sometimes referred to as "3rd party" in insurance-related contracts).

Almost 1 in 4 private companies have been victims of cyber attacks.
The Risk Institute at The Ohio State University

D&O (Directors and Officers)
DO
Also known as: Management Liability

Protection for your Directors (i.e. board members) and Officers if someone pursues claims for mismanagement or breach of fiduciary duty.  

Unfortunately shareholder litigation is rising for everyone, and founders need protection. For example, 95% of 2014 merger and acquisition deals involved litigation, compared to just 39% in 2005.
Source: Kevin M. LaCroix

E&O (Errors and Omissions)
EO
Also known as: Professional Liability

Protection for when customers make claims you misrepresented the services you provide.

Employment Practice Liability (EPL)
EPL
Also known as: EPLI

Covers your startup from employment-related claims including issues related to alleged discrimination or harassment.

Even the best companies make mistakes. Over 40% of businesses will face an employment lawsuit at some point.
Source: Vouch Proprietary Claims Analysis

Employee Benefits Liability
EB

If you make a mistake in the administration of an employee benefit program, such as failure to properly enroll a new employee in your 401K, this coverage protects you from related litigation.

12% of small businesses get sued by their employees every year.
Source: Vouch Proprietary Claims Analysis

Fiduciary Coverage
FI

Protect your company’s Officers for claims alleging breach of fiduciary duty related to employee benefits programs.

Hired & Non-Owned Auto
HNO
Also known as: Rented Car

Your personal auto policy does not cover your business. If anyone on your team drives for business purposes, whether using their own car or a rented car, your company can be held liable in the event of an accident.

“Most personal car insurance policies don’t cover business driving because...it’s riskier than personal driving.”
Insureon

COVERAGES WE DON'T HAVE
Workers Compensation
Commonly provided with your payroll solution
Employee Health Insurance
Not our specialty
At least once every year, 36-53% of small businesses face litigation which costs on average $50-100K to resolve.
Source: Small Business Administration
Descriptions are general in nature only.  Please refer to the terms and conditions of any policies offered or purchased.
Insurance products offered are subject to application and underwriting requirements.
MANAGEMENT & PROFESSIONAL LIABILITY
Multi-coverage discount!
10% off
2 coverages
20% off
3 coverages+
ALREADY HAVE INSURANCE?
Startups pay less with Vouch

On average, seed-stage startups pay 30-40% less and Series A startups pay 13% less with Vouch.

It takes just minutes to get a quote, and we're here to help you break up with your broker if you'd like to switch.

GET A QUOTE
NOT READY FOR INSURANCE?
Take the free, Startup Risk Assessment

Startups take risks, and founders make mistakes.

Let's make sure you haven't accidentally exposed your business to common, avoidable risks - many of which occur while setting up your startup.

TAKE THE ASSESSMENT
Vouch Insurance's custom policies are reinsured by one of the largest A-rated reinsurers in the world.
WE'RE HERE TO HELP
Not sure what you need?
Have a specific coverage requirement?

The Vouch team of licensed insurance professionals and former founders are here to help! 
Chat with us in the lower right corner of this page.