Finding success as a startup can be difficult. Most founders start their businesses with a desire to bring real innovation to their chosen fields. However, they meet a wide variety of challenges and risks from the get-go, and the margin for success can be slim.
为工资单，产品研发和营销确保足够的资金是大多数创始人期望和准备的挑战。许多初创公司也会满足各种意想不到的风险。与就业有关的索赔和诉讼，意外的财产损失，合同违规或产品故障诉讼等问题可以致命，可能会发生，并且通过投资正确的保险产品来为他们做好准备。这将允许您管理这些风险，将他们的财务负担转移到保险公司，并尽管有它们，请帮助您生存和茁壮成长。
然而，购买商业保险在大多数情况下，一般是一个相当繁琐的过程，特别是初创公司。大多数传统运营商只是不了解初创公司的需求，也没有适合它们的流程，程序和政策。
此外，许多启动创始人觉得保险是一种奢侈品，而不是必需品，并且愿意稍后离开它 - 当他们的业务增长时，他们可以将更多的预算分配给它。然而，这可能被证明是一个坏主意，因为早期的初创公司特别容易受到攻击，许多可能没有财务实力来天气，并继续他们的正常运作。
To help startups who are looking to create a risk management program through insurance, we’ll cover what polices a quickly growing business would typically need and what each policy would bring to your business.
初创公司需要什么策略？
有许多因素确定您需要的覆盖类型，以便正确保护您的启动。
Some of the most common risk factors that brokers take into account when suggesting insurance include:
- The nature of your work
- 商业模式
- 你计划的速度有多努力
- Your 12-months projected revenue
- The amount and type of contracts you have with partners and customers
These factors correlate well to the growth stage your startup is in, i.e., Seed stage, Stage A, B, C…, etc. So, we’ll break down what policies are typically suggested to startups as they move from one growth stage to the next.
种子阶段初创公司的保险，顾客
General Liability Insurance:This is a staple policy that will protect your company’stangible assets电脑等工具或办公家具摇来摇去m loss. An important aspect of this coverage is that it will also cover you from claims of injury and property damage to third parties that happen on your property. If you’re leasing property or want to attend conferences, this policy is required.
劳动者报酬：If employees are injured while carrying out their duties, workers’ comp will pay for medical care and lost wages. The good news is that insurers typically see startups as low-risk businesses, so you won’t have to pay much. All states except Texas require you to carry this coverage.
Insurance for Seed Stage Startups, With Customers
技术错误和遗漏（E＆O）保险：此政策很重要，因为大多数初创公司依靠科技解决方案为其行业带来创新。保险公司认为大多数与技术有关的产品是服务，如果您的服务或产品不履行其承诺或对第三方造成损害的方式，良好的E＆O政策将回复备受贵公司。
网络责任保险：If you store personal information on your networks, then you’re at risk of data breaches. A good cyber policy would cover both first-party costs of a data breach such as forensics, notification costs, and credit monitoring, as well as costs related to lawsuits from those who suffered damages from the cyber attack. Additionally, it should also cover regulatory fines and penalties imposed on you because of the data breach.
保险赛初创公司
董事和官员（D＆O）保险：如果他们被起诉违反信托税，虚假陈述或管理不善，则该政策将进入保护公司和董事的个人资产。它将涵盖国防成本和您或他们将订购支付的任何和解款项。D＆O保险对正在寻求资助的初创公司的原因是，大多数风险资本家都希望在他们投资的初创公司的董事会上服务，他们将想知道他们的个人资产被覆盖。
就业实践责任保险（EPLI）：此政策将保护您的启动免受雇佣索赔，例如错误的终止，骚扰或歧视。许多启动创始人认为他们没有“足够大”要求这一政策，然而，没有什么可以进一步来自真相。一个员工诉讼的过高成本即使是最稳定的业务也可以下沉。
主要领袖保险：Key leader, also known as “key person” insurance, is basically a life insurance policy taken out on a person crucial for the success of the business. Key person insurance will ensure that your company is protected in the case of death or disability to a key partner, executive, salesperson or team member. It will cover both the incurred losses and replacement costs.
这些观点仅由作者制成。
