SaaS Insurance Explained in 5 Minutes

Most SaaS founders assume a general liability policy or BOP covers their exposure. It doesn't. GL explicitly excludes professional services, software failures, and data breaches, which is 100% of SaaS risk. The right program requires Tech E&O (errors and omissions), cyber insurance with a dependent business interruption endorsement, and D&O coverage if you're raising capital. This video explains each policy, what it covers, what it costs at every revenue stage from startup to enterprise, and how your security controls directly drive your premiums.
Don't let a third-party outage turn into an uninsured six-figure loss.

⏱️ Timestamps
0:00 The $380K API failure scenario
0:32 About Gordon Coyle
0:55 What SaaS insurance actually covers
1:00 Why general liability leaves you exposed
1:42 The three-policy SaaS coverage stack
1:51 Policy #1: Tech E&O (Errors & Omissions)
2:08 Policy #2: Cyber insurance and the dependent BI gap
2:49 Policy #3: D&O (Directors & Officers)
3:12 What SaaS insurance actually costs
3:46 Ballpark pricing by revenue stage
4:17 Why identical SaaS companies get different outcomes
4:37 The Insurance Confidence Assessment
4:58 Like and subscribe

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