PEPPER, JOHNSTONE & COMPANY BLOG

All You Ever Wanted to Know About Insurance

D&O Insurance for Startups: The Stage-by-Stage Risk Guide

TL;DR: Once outside capital enters your company, every board-level decision carries personal liability for the people making it. D&O insurance covers directors, officers, and executives against claims of mismanagement, investor misrepresentation, and regulatory violations. Most institutional…

What Insurance Do Startups Need? A Pre-Seed & Seed Checklist

Most founders treat startup business insurance as a problem for later stages. It isn’t. The moment you sign your first client contract, bring on a W-2 employee or close your first round with outside investors, you’ve created real liability exposure. — The right coverage determines whether your…

SaaS Company Insurance: What a BOP Won't Cover

A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does not cover a client lawsuit…

Professional Liability Insurance for Consultants & Accountants

A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…

General Contractor Insurance: A Complete Coverage Guide

In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…

Startup Insurance: A Complete Guide for Founders

Most startup founders can tell you their burn rate, their CAC and their runway down to the week. Ask them about their insurance program and the conversation gets vague fast. But the moment you bring on employees, sign a client contract or take outside capital, you carry real liability exposures. —…

Year-End Risk Review: 5 Insurance Gaps to Fix in 2026

Running a business already takes most of your time. Reviewing your insurance coverage usually sits at the bottom of the list, until a claim exposes a weakness you didn’t know was there. A year-end risk review creates a deliberate pause to identify those gaps now so they don’t turn into six-figure…

Liability in the Gig Economy: Are Your Contractors Covered?

Businesses across the country rely on independent contractors for speed, flexibility and specialized talent. It’s efficient. It keeps overhead low. It helps growing companies stay nimble. But whenever contractors step onto your jobsite, interact with your clients or represent your brand, the line…

Scary Season for Small Businesses: Liability Risks Rise in Fall

Key Takeaways — Fall creates unique business exposures. Wet leaves, icy sidewalks, and crowded holiday events can lead to costly injury or property damage claims. — General liability coverage protects your finances. It helps cover medical bills, legal fees, and settlements when your business is…

AI and Insurance: Who’s Liable When Tech Gets It Wrong?

Artificial intelligence isn’t science fiction anymore. Today, it’s powering everything from chatbots in medical offices to predictive analytics in marketing firms. But what happens when AI makes a mistake? Who pays when a client sues over a financial loss caused by faulty algorithms or misguided…