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Insurance for SaaS, Built for Scaling Software

Protect your code, your board, and your customer data with liability coverage that scales from MVP to IPO.

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Why SaaS Companies NeedCoverage Built for Uptime, APIs, and Digital Risk

Contractual compliance

Meeting the insurance requirements in enterprise MSAs (Master Service Agreements).

Investor Trust

Providing the D&O protection required for your Series A term sheet.

Operational resilience

Protecting against the financial fallout of a system-wide outage or bug.

Common Risk Triggers for SaaS Companies: Uptime, API Calls, and Digital Exposures Traditional Insurance Often Misses

The enterprise lead

Insurance Packages That Slot Perfectly Into SaaS Companies

Pre-Seed & Seed

Core protection for you and your product

Policies included in this package:

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Series A

Protects you, your board, and helps you close bigger deals

Policies included in this package:

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Growth Stage

Protection for leadership risk, transactions, and scale

Policies included in this package:

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Custom Package

Know exactly what you need?

Pick the policies that fit your business best

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Click anyPolicyto see what it covers

Core Insurance Packages for SaaS Companies

From enterprise MSAs to SOC 2 audits, these policies help SaaS teams protect uptime, customer data, leadership, employees, and day-to-day operations.

Commercial General Liability (CGL)
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Commercial General Liability (CGL)

Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.

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Cyber Liability
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Cyber Liability

Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.

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Tech & AI Liability
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Tech & AI Liability

Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.

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Directors & Officers
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Directors & Officers

Covers claims made against company leaders for alleged wrongful acts in managing the business.

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Employment Practices Liability (EPLI)
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Employment Practices Liability (EPLI)

Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.

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Fiduciary Liability
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Fiduciary Liability

Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.

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Media Liability
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Media Liability

Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.

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Hired and Non-Owned Auto (HNOA)
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Hired and Non-Owned Auto (HNOA)

Provides liability coverage when employees use rented or personal vehicles for company business.

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See specialized coverages
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SaaS Claims ScenariosSoftware Bugs, Data Breaches, and Board Disputes

The Software Bug

A product glitch triggers customer allegations of financial loss and operational disruption.

The Board Dispute

After a down-round, a former investor sues the founders over valuation and governance decisions.

The Data Breach

A cloud misconfiguration exposes user credentials and triggers customer and third-party demands.

Explore Our Services by Industry

FAQ

SaaS startups need Technology Errors & Omissions (E&O) for claims related to software failures and service delivery, Cyber Liability for data breaches and security incidents, Directors & Officers (D&O) insurance for leadership protection, and General Liability. Enterprise SaaS companies typically need higher limits to satisfy customer contract requirements. Corgi's policy stacks all of these together.
Technology E&O for SaaS covers professional liability claims when your software fails to perform as promised. This includes service outages that breach SLA commitments, bugs that cause customer data loss or financial harm, implementation failures, and allegations that your product did not meet contractual specifications. Corgi covers both defense costs and damages.
Yes. SaaS companies store and process customer data, making them prime targets for cyberattacks. Corgi's cyber insurance covers data breach response costs, customer notification expenses, regulatory fines, forensic investigation, business interruption from ransomware, and third-party claims from affected customers. Most enterprise contracts and SOC 2 audits require proof of cyber coverage.
Technology E&O insurance is the primary coverage for SaaS service outage claims. It protects against customer allegations of financial loss due to downtime, SLA breach penalties, and business interruption caused by your platform being unavailable. Cyber insurance may also apply if the outage was caused by a cyberattack or security incident. Corgi bundles both for exactly this scenario.
SaaS startups should get insurance as soon as they have paying customers or sign enterprise contracts, since most MSAs require proof of Tech E&O and Cyber coverage. D&O insurance is typically required before closing a funding round, as investors and board members need personal liability protection. Starting Corgi coverage early also locks in lower premiums before your risk profile grows.
Enterprise procurement and vendor security teams typically require Cyber Liability, Tech E&O, General Liability, and Hired & Non-Owned Auto with $1M–$5M minimum limits, naming the customer as Additional Insured. These requirements usually map to SOC 2 controls and the customer's own vendor risk policy. Corgi can issue compliant COIs and endorsements within hours so onboarding doesn't stall.
Technology E&O is the policy that responds when a customer alleges financial loss from downtime or SLA breach, but the wording matters: many policies sublimit or exclude pure economic loss from outages, and contractually-assumed SLA credits are often outside coverage. Affirmative business interruption and SLA-breach extensions are what you want to see in writing. Corgi structures Tech E&O with this exposure in mind.
When you start selling into healthcare or financial services, your Cyber Liability needs heavier limits, PHI/PCI carve-backs, and regulatory defense endorsements that aren't in a standard SaaS policy. Customer vendor risk teams will also dig into your subprocessors and BAAs, and your COI will be reviewed line-by-line. Plan to upgrade your tower before signing the first regulated-industry MSA, not after.
The risk profile is meaningfully different. Self-service SaaS usually operates under a click-through ToS with capped liability and lower per-customer ARR. Tech E&O is still essential, but exposure to high-value MSA disputes is lower. Sales-led SaaS signs heavier MSAs with custom indemnity, uncapped data-breach carve-outs, and SLA penalties, which usually means higher Tech E&O limits and broader cyber. Corgi can right-size limits to your actual contract stack rather than a generic startup template.

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