Vouch is a technology-powered commercial insurance broker focused exclusively on startups and high-growth technology companies. Founded in 2018 in San Francisco, the company has protected over 4,000 technology startups and was acquired by Hiscox in 2025, expanding its carrier relationships and backing without changing its startup-centric product focus.
The platform is built around the recognition that startup insurance is structurally different from small business insurance. A five-person SaaS company with a $5 million seed round and enterprise contracts needs D&O, E&O, and cyber coverage sized for its investor obligations — not a BOP policy designed for a restaurant. Vouch’s advisors specialize in this gap, understanding the difference between what a venture term sheet requires and what a standard commercial policy actually covers.
Coverage options include general liability, D&O, E&O, cyber liability, EPLI, commercial property, and newer categories like AI liability insurance for companies building AI-powered products. Vouch introduced AI insurance in response to growing demand from portfolio companies facing algorithmic bias claims, regulatory investigations, and IP infringement exposure.
Pricing is entirely custom-quoted based on funding stage, industry sub-sector, headcount, revenue, and the specific coverage mix required. D&O for an early-stage tech startup typically starts between $4,000 and $7,000 per year. General liability often starts around $500 to $1,000 per year. Full programs with multiple policy types can range from $10,000 to $50,000 or more annually depending on scale and risk profile.
Vouch is the preferred insurance provider for Y Combinator portfolio companies and has partnerships with SVB, Brex, Carta, and other startup ecosystem participants. This positioning makes it the natural first call for founders going through accelerator programs or preparing for institutional rounds.