Industries
Startups
Your investors require D&O. Your first enterprise customer requires cyber. Your programme was set up at the seed round and has not moved since. Fidus reads what you have, closes the gaps and keeps it current through every round.
Three moments when insurance decides something
The term sheet
Investors require D&O, often cyber. Fidus sets the programme up once so it holds through the next round instead of being rebuilt at each one.
The first of January
Most German programmes renew on one day. Fidus re-markets the lines that were placed in a hard market and lets the rest run.
The growth jump
Limits set at the seed round rarely scale with the company. The review shows where, and what closing the gap costs.
What a startup programme holds
D&O
Protects founders and the board personally. Required by most investment agreements. The limit has to grow with the round.
Cyber
Data breach, ransomware, business interruption. Increasingly written into enterprise customer contracts.
IT and public liability
Your software fails at a customer, or someone is hurt on your premises. The line that most seed programmes get wrong on territory.
Contents and legal expenses
Offices, hardware, prototypes, and the lawyer when a dispute comes. Cheap lines that are often missing entirely.
By stage
Pre-seed and seed
Set it up once
A programme that satisfies the term sheet and holds through Series A without being rebuilt.
Series A and B
Close the gaps
The review finds where limits stopped following the company, and what closing each gap costs.
Series B and later
One record
Several brokers, a dozen contracts, one finance team. Fidus becomes the single record of every policy, claim and deadline.
Expect the unexpected. We cover it.
Or call us
Phone number follows
Monday to Friday, 8 to 19 h.