Insurance that keeps up with your sales cycle.
Every enterprise deal comes with an insurance exhibit. We make sure the exhibit is never the reason a contract slips.
Broker response
Same business day
Answered by a broker, in writing.
Quote turnaround
3–10 business days
From a complete submission to terms in hand.
Certificates
Same day
Standard requests issued without an email chain.
Renewal process
Begins 90 days out
Not the week before your policy expires.
What actually goes wrong at companies like yours
Not a generic risk list. These are the exposures underwriters ask about and the ones that produce claims.
SLA and uptime exposure
Downtime creates contractual credits and consequential damage claims that only professional liability responds to.
Customer data custody
You hold your customers' customers' data. A single breach becomes many notification obligations across many jurisdictions.
Dependent business interruption
Your uptime depends on cloud, CDN, auth, and payment vendors. Their outage becomes your loss.
Contractual liability
Uncapped indemnities and liability carve-outs in negotiated MSAs can outrun the limits you bought.
Multi-state hiring
Distributed engineering and go-to-market teams create workers' comp registration and employment claim exposure.
Certificate velocity
Deals stall on certificates. Slow COI turnaround is a revenue problem disguised as an admin problem.
What we typically place
A starting structure for saas. Your contracts, data footprint and headcount move it — which is exactly what the submission is for.
Build your programmeThe insurance exhibit is a sales artifact
By the time a deal reaches redlines, insurance is usually the least contested exhibit — right up until it blocks signature. A customer requires $5M in professional liability, you carry $2M, and a deal that took four months to build waits on a broker who answers in three days.
We treat certificates and contract review as a revenue workflow, not an administrative one. Send us the insurance exhibit before you sign and we'll tell you within a business day whether you comply, what it would cost to comply, and what language is worth negotiating rather than buying.
Structuring around dependent outages
Most SaaS business interruption loss does not begin inside your infrastructure. It begins at a provider you depend on. Dependent — or contingent — business interruption coverage is the grant that responds, and it is frequently sublimited well below the policy limit or restricted to named providers.
This is one of the highest-leverage things to negotiate at renewal, and one of the least examined. We read it before you bind.
What your customers will ask you to carry
The limits that show up most often in insurance exhibits for saas. Send us the exhibit before you sign and we'll tell you whether you comply, what compliance costs, and what is worth negotiating.
| Requirement | Typical ask |
|---|---|
| Technology E&O / professional liability | $1M – $5M |
| Cyber liability | $1M – $5M |
| General liability | $1M / $2M with additional insured |
| Workers' compensation | Statutory + $1M EL |
| Umbrella | $1M – $5M |
| Hired & non-owned auto | $1M |
SaaS, answered
Anything else, send it to a broker and get a written answer within the business day.
Same business day for standard requests. If the request includes unusual additional insured or waiver language, we'll flag anything the policy doesn't support before issuing it.
Three: buy up, add an excess layer, or negotiate the exhibit down to something proportionate to the contract. We'll price all three and tell you which one we'd choose.
Get a programme built for saas.
Tell us about the business once. A broker reviews it the same day and comes back with a plan, a timeline and what we need to take it to market.