Fullsteam Startup Deals & Discounts

Fullsteam runs an application-based program for early-stage and high-growth companies that want broker-led business insurance without paying full retail to get started. Qualifying startups can claim a reduced rate on their initial policy setup, framed here at roughly 50% off (an estimated value near $500), which lowers the cost of standing up first-year coverage while a young company is still watching every dollar.

The offer is aimed at founders who are buying real coverage - general liability, cyber, technology errors and omissions, directors and officers, or a bundled program - and want an advisor to negotiate terms across multiple carriers rather than self-serving a single quote. Because eligibility is reviewed per applicant, the discount typically suits newer companies setting up or consolidating their insurance stack rather than businesses simply renewing an existing book.

The value is practical: lower entry cost on properly structured coverage, plus an advisor relationship and policy audit that help a team avoid gaps as it scales. Founders apply, have their situation reviewed, and work with an advisor to build the program that fits.

• First-time founders buying coverage - a newly incorporated startup setting up general liability, cyber, and D&O for the first time and wanting an advisor to structure it correctly.
• Fundraising and board requirements - companies that need D&O in place to satisfy investors or onboard board members.
• Selling software to enterprise clients - SaaS and technology teams whose customers contractually require technology E&O and cyber liability.
• Growing headcount - companies adding employees that need EPLI and workers' compensation as the team expands.
• Consolidating a messy stack - businesses with scattered or outdated policies that want a single audit and a rebuilt, gap-free program.

Fullsteam is a brokerage, so the cost a company pays is the premium of the carrier program its advisors assemble rather than a flat platform fee. Pricing depends on the lines selected, coverage limits, industry, headcount, and revenue.

As a rough industry benchmark, a startup might spend on the order of a couple of thousand dollars a year for a basic package and several thousand more once cyber, D&O, E&O, and other lines are added. Exact figures come from an advisor review and carrier quotes rather than a published price list.

High level, expect tiers along these lines:

• Essentials - core general liability and commercial property for early, lower-exposure teams.
• Technology bundle - adds technology E&O and cyber liability for software companies selling to business customers.
• Funded / growth program - layers in D&O, EPLI, and higher limits for companies raising capital and scaling headcount.