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Startup Founders

Startup founders in New Zealand face unique risks as they scale. Investor pressure, cap table disputes, employment disputes with early hires, and regulatory obligations under the Financial Markets Conduct Act all create personal liability. Many investors and accelerators now require D&O insurance before closing a funding round. Protecting yourself early means you can focus on growing your business.

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Key Risks for Startup Founders

⚠Investor or shareholder disputes over company decisions
⚠Employment claims from early-stage hires
⚠FMA scrutiny for capital raising activities
⚠Personal liability if the startup fails or pivots
⚠IP and confidentiality disputes with co-founders

Recommended Cover

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Directors & Officers (D&O)

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Professional Indemnity

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Management Liability

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Startup Founders — FAQs

Increasingly yes. Many NZ angel investors and VCs now require D&O insurance as a condition of investment. It protects both the founders and the investors' capital.

Ideally before your first external investment round. As soon as you have investors, the risk of shareholder claims begins. Earlier cover is better and often cheaper.

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