What are you building?
Insurance considerations shift the moment you leave "software company" behind. Pick what you're building to see how your business model shapes your stack, then take it to the Tower Builder.
SaaS / B2B companies.
Enterprise buyers require $2M–$5M Tech E&O with named-insured extensions and a matching Cyber limit. D&O enters the moment institutional capital arrives.
Fintech companies.
Regulated funds and KYC push D&O severity highest. Expect $5M–$10M Cyber + E&O and a dedicated, separately structured D&O tower.
Healthtech companies.
PHI triggers PHIPA and tight breach windows. A $5M–$10M Cyber tower is typical, with affirmative PHIPA regulatory-defence endorsement.
AI / ML companies.
An affirmative AI E&O endorsement is non-negotiable the moment you ship an LLM feature. Cyber + Tech E&O blend with a training-data IP carve-out.
Marketplaces companies.
High user volume means record-count-driven settlements scale fast. A $5M–$10M Cyber tower with an E&O blend is the working baseline.
Devtools & Infra companies.
You're the supply chain - one compromised release is contingent BI for every customer. Cyber + Tech E&O blend with contingent-BI extension.