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Insurance Guide

Insurance for India-Founded Startups with a U.S. C-Corp

A strategic one-pager for buying startup insurance for fundraising, enterprise sales, and global scaling.

Typical startup structure

Delaware C-Corp

Parent entity for fundraising, IP, and global enterprise contracts.

India Subsidiary

Local entity for engineering, operations, and talent management.

When you need insurance

Fundraising

Investors require D&O insurance as a closing condition.

Enterprise Sales

Procurement requires Cyber/E&O before going live.

Global Operations

Scaling requires liability protection for all entities.

The easiest setup: buy through the U.S. entity

Buy insurance through the U.S. parent company and extend coverage globally. This is the fastest path to compliance.

Worldwide Coverage

Cyber, Tech E&O, and D&O policies typically cover global operations.

Easier Procurement

U.S. policies meet the specific requirements of Fortune 500 vendors.

Scalable Globally

Add new subsidiaries or regions without restructuring.

What U.S. enterprises require

Cyber Liability $1M – $5M+
Tech E&O $1M – $5M+
D&O Insurance $1M – $5M+
General Liability $1M / Occurrence

Compliance essentials

AM Best A-rated carrier or better

Certificate of Insurance (COI)

Additional Insured status for customer

Frequently Asked Questions

What is an AM Best rating, and why do enterprises care?

AM Best evaluates the financial strength of insurers. Enterprises require 'A- or better' to ensure the carrier can pay large claims and remain stable.

Can a U.S. policy cover India operations?

Yes. Most startup policies include worldwide territory and subsidiary coverage, protecting your India-based engineering and operations teams.

Do I need separate policies for each entity?

Usually no. A single global program anchored by the U.S. parent is more efficient and cost-effective for venture-backed startups.

Get compliant insurance for your U.S. C-Corp and India subsidiary

RiskCube places A-rated U.S. coverage that extends to your global operations — with no broker fees. Compare options and get a COI ready for fundraising and enterprise sales.

CA License #6017028
Y Combinator Y Combinator F24
Independent brokerage · NPN 21694336
Andrei Craciunescu

About the author

Andrei Craciunescu

Founder & CEO, RiskCube · CA License #4467994

LinkedIn Profile

Andrei previously worked in the Risk & Analytics division of WTW (Willis Towers Watson), one of the world's largest insurance brokers and a recognized leader in space and defense risk. He holds an M.Sc. in Mathematics from LMU Munich and conducted PhD-level research in financial mathematics at the Technical University of Munich (TUM). His work focuses on translating risk data into actionable insurance coverage decisions for VC-backed startups and small-to-medium businesses across the U.S.