Best Cyber Insurance for Startups
Which providers document cyber liability cover for startups, ranked using only what each one publishes.
The General Average: research on commercial insurance
What Is General Liability Insurance?
General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
Topics
Liability
Cyber and Technology
Management and Finance
Property and Projects
Vehicles and Cargo
Best providers, by business
For contractors
For nonprofits
For startups
For restaurants
For small businesses
For healthcare providers
For real estate businesses
For consultants
For manufacturers
For SaaS companies
For e-commerce businesses
For financial services firms
For law firms
For marketing agencies
Industries
B2B
Match a B2B company’s insurance questions to its customer contracts, employees, premises, and financing.
Consumer
A practical guide to matching a consumer business’s quote to its products, premises, inventory, people, and sales channels.
Education
Education organizations and education technology vendors can use this guide to map student data, services, sites, and staff to practical insurance quote questions.
Fintech
A practical guide to mapping your financial product, partner contracts, data, and money flows to specific insurance quote questions.
Government
Federal contractors can match insurance questions to the actual solicitation, contract clauses, work locations, and bond requirements.
Healthcare
Match a healthcare business’s insurance questions to patient care, health data, products, labs, and the next lease or hire.
Industrials
Map insurance questions to industrial operations, from workshops and field deployments to manufacturing and production.
Real Estate and Construction
Map whether your business sells software or professional services, owns or manages property, or takes on site and project work before matching those activities to insurance questions.
Startup Insurance Basics
Compare startup insurance around customer contracts, software and data, leased property, hiring, and founder health-benefit decisions.
Providers
- CoalitionCyber risk and technology businesses
- HiscoxSmall professional and service businesses, including IT and consulting firms
- VouchStartups and growing companies
- EmbrokerStartups, technology and professional services
- AIG
- Alliance Risk
- Amelia Risk
- Aon
- Armilla
- At-Bay
- Beazley
- Berkshire Hathaway Specialty Insurance
- biBerk
- CFC
- Chubb
- CNA
- Coalition
- Corgi
- Coterie Insurance
- Counterpart
- Coverdash
- Cowbell
- Embroker
- ERGO NEXT Insurance
- Founder Shield
- Foxquilt
- Gallagher
- Harper
- Heffernan Insurance Brokers
- Hiscox
- HUB International
- Insureon
- Kinro
- Layr
- Liberty Mutual
- Lockton
- Markel Insurance
- Marsh
- Marsh McLennan Agency
- Mylo
- Nationwide
- Newfront
- Pie Insurance
- Relm Insurance
- Resilience
- RiskCube
- Risklytics
- Simply Business
- StartupInsurance.ai
- TechInsurance
- The Baldwin Group
- The Hartford
- THREE by Berkshire Hathaway
- Travelers
- USI Insurance Services
- Vouch
- WithCoverage
- WTW
- Zurich U.S.
Terms and questions
Why “general average”
When a ship at sea was in danger, the master could throw part of the cargo overboard to save the rest. Under the old maritime rule of general average, the owner of the lost goods did not bear that loss alone: everyone with a stake in the voyage paid a share, in proportion to what they had aboard.
Sharing a loss among everyone exposed to it is the idea commercial insurance grew from. This publication covers how that works today: what each coverage pays for, who sells it, and how the providers compare, from what they publish themselves.
The General Average is from Spot.Insure and Tools for Enlightenment. Write to thegeneralaverage@spot.insure with corrections, or read the editorial policy.