Vouch
Founder-friendly E&O for tech startups. $2,000-$4,000+/year typical for $1M-$5M tech E&O. Pricing genuinely quote-driven; Vouch explicitly says 'no single cost'.
What this insurer actually costs.
$2,000-$4,000/yr typical for $1M-$5M tech E&O per Vouch's published guidance. Quote-driven; Vouch explicitly says 'no single cost' in their marketing. Coverage limits $1M-$5M. Pricing depends heavily on revenue, employee count, and specific tech category (AI / SaaS / fintech / biotech).
How this insurer makes its money.
Founder-friendly tech-startup insurance platform. Similar positioning to Embroker but with a simpler product surface — Vouch focuses on the bundled insurance experience for early-stage and growth-stage tech companies. The structural difference from Embroker is depth: Vouch is more startup-volume oriented; Embroker tends to handle larger venture-backed companies with more complex insurance needs.
Best for. Worst for.
Best for: early-stage tech startups (seed through Series B). Vouch's bundled insurance offer is purpose-built for this stage. SaaS, AI, fintech startups specifically. Worst for: pre-revenue (some Vouch products require revenue minimums), enterprise-stage tech (Embroker's depth fits better), non-tech businesses (wrong product).
What to verify before signing.
Confirm carrier underwriting the E&O. Ask about coverage exclusions specific to AI/ML services (some Vouch products have AI-specific exclusions for hallucination liability). Verify retroactive date and prior acts coverage. Check whether the policy includes broad enough cyber coverage or whether cyber is bundled separately.