The Coverage Memo

Startups must navigate a fragmented maze of state laws with conflicting deadlines and definitions.

Most tech startups lack IP enforcement coverage and underestimate training data liability risks.

Standard tech insurance won't cover AI failures, and policies are being rewritten to prove it.

Startups shipping open source code carry insurance built for software that no longer exists.

Unmet insurance requirements now stall enterprise SaaS deals regardless of product quality.

Physical products can't be patched like software when they harm someone.

Tech E&O covers your mistakes; cyber covers when attackers strike your systems.

Coverage gaps in the fine print can cost a startup millions once a client sues.

VC board seats create personal liability that D&O insurance now treats as closing condition.

Startup founders face personal liability for retirement plan decisions the moment they sign.

Founders often miss coverage gaps that hit them personally years after a sale closes.