Measure the exposure
Your operations, contracts and obligations set out as a priced list of insurable risks, and the gaps between them.
ExploreCommercial insurance priced on your own numbers
Cover you can
defend line by line.
PikaGuard measures what each risk costs you, then structures, places and manages the cover around it. Every figure traces back to something observed.
TechnologyProfessional servicesGrowth companiesComplex risk
The PikaGuard approach
Price the risk first. Then decide what to transfer.
One process, three steps: measure the exposures that matter, build the programme around them, and re-price it as the business changes.
How PikaGuard works →How the work runs
From first assessment
through every renewal.
What you get
Every number traceable.
Cover is only useful when you can see the reasoning behind it. We show the structure, the figures under it, and the next decision.
Meet your advisor →01
Specialist review
Priced off your operations, not your sector02
Coordinated placement
One view across the whole programme03
Continuous record
Decisions carried forward, not restartedCover by stage
The same standard
at every stage.
Next step
Get your risk priced.
Meet Your Pika,
the only one On Your Side.
We measure what your risk costs, then cut the risk and the premium together.
Assets secured
$135,296,937
·
Pika prices what your risk actually costs. You see the full range of outcomes and the arithmetic behind it, so you buy cover on the numbers rather than out of habit.
Get a quote
“I went through the application in five minutes. The team had everything packaged up for me.” “I went through the application in five minutes. The team had everything packaged up for me.”
Alex Marantelos
Co-founder CEO @ Intryc
Cover matched to the stage you are at
From owner-run to multi-national operations, priced on your own numbers.
info
Click any
chip
in a package to see what it means
Where we differ
Certificate of Insurance
INCENTIVE ALIGNMENT
CARRIER-FIRSTLegacy process
menu_bookBroker
fact_checkAudit
edit_squarePrice
+24%PREMIUM
ALIGNEDYour businessControls improve
business
−32%RISK
−18%COVER COST
handshakeINCENTIVES MOVE TOGETHER
GRANULAR RISK MODEL
domain
IndustryB2B software
check_circleshield_lock
Controls12 verified
check_circlepayments
Revenue$4.2M ARR
check_circlehistory
Claims0 in 5 years
check_circlegroups
Team42 employees
check_circlecloud
DataEncrypted
check_circleMODEL CONVERGENCESTABLE
99.9%
PRICE RANGE± 31%
PERSONALISED FACTOR1.12
verified
INDEPENDENT EVIDENCE REVIEW
database
Loss historyObserved claims
check_circle
query_stats
Market signalsGranular benchmarks
check_circle
shield_lock
Company controlsVerified safeguards
check_circle
fact_check
COVALIDATED RATE VERIFIED
0.84risk factor
verified3 sources independently agree
RISK CONTROL PLAN
school
Employee trainingPhishing & incident response
admin_panel_settings
Access controlsMFA & least privilege
lock
Physical securityLocks, alarms & response
MODELLED EXPOSURE0 ACTIVE
100index
BaselineProjected cover costCurrent
Get Covered Now or Book a Demo With a Specialist
Financial details
Please provide financial details about your company.
Revenue in the last 12 months ($)*
Projected revenue in next 12 months ($)*
Upload any financial statements if available
Drop the files here
Max 3 files, up to 50MB each
Management accounts 2026.pdf
Funding raised, if applicable ($)
Funding date, if applicable
Self-Serve: Sign up and get insight in minutes.
For people who know the business well and are happy to apply without guidance.
Meant for:
SMEs and executives. If you have a question, ask us.
Book a Demo: Talk to an expert.
We’ll walk you through understanding the current risk and insurance conditions of your business, so you can know you are making the right call.
Meant for:
Customers who want to be supported, or have a more complex situation.
Get Covered Now or Book a Demo With a Specialist
Sign up yourself
Talk to a specialist
Self-Serve: Sign up and get insight in minutes.
For people who know the business well and are happy to apply without guidance.
Meant for:
SMEs and executives. If you have a question, ask us.
Book a Demo: Talk to an expert.
We’ll walk you through understanding the current risk and insurance conditions of your business, so you can know you are making the right call.
Meant for:
Customers who want to be supported, or have a more complex situation.
Get Covered Now or Book a Demo With a Specialist
Financial details
Please provide financial details about your company.
Revenue in the last 12 months ($)*
Projected revenue in next 12 months ($)*
Upload any financial statements if available
Drop the files here
Max 3 files, up to 50MB each
Management accounts 2026.pdf
Funding raised, if applicable ($)
Funding date, if applicable
Financial details
Please provide financial details about your company.
Revenue in the last 12 months ($)*
Projected revenue in next 12 months ($)*
Upload any financial statements if available
Drop the files here
Max 3 files, up to 50MB each
Funding raised, if applicable ($)
Funding date, if applicable
An estimate is fine
Self-Serve: Sign up and get insight in minutes.
For people who know the business well and are happy to apply without guidance.
Meant for:
SMEs and executives. If you have a question, ask us.
Book a Demo: Talk to an expert.
We’ll walk you through understanding the current risk and insurance conditions of your business, so you can know you are making the right call.
Meant for:
Customers who want to be supported, or have a more complex situation.
“Working with some of the biggest companies in the world, they want us to have a lot of coverage because the risk is large. Pika takes care of everything, we don't have to go through the hassle of a new process every time a customer needs something new.”
“Getting insurance for our office spaces before used to mean days of emails, calls, and waiting on quotes. Pika got us a quote and certificate so fast I actually double-checked it was real.”
“Being protected by Pika enables us to focus on the business itself & helps us drive value for our customers like Coinbase, SoFi, and more”
“The Pika team, in a matter of minutes, took care of all the insurance requirements I needed in order to land our first 7-figure enterprise contract”
“Was procrastinating on getting insurance because of how tedious it seemed. Who knew you could get your business insured in 10 minutes.”
“We have hardware deployed all over the world and unique operational risks. Most brokers didn't really know what we were doing, but with Pika, I was able to walk them through our business and get something tailored to exactly what we need. I finally feel like we're in a really good spot.”
“The minute I hit submit, documents come back to me, a Slack channel gets created, and the founding team messages me. It's beautiful. I went through the application in five minutes and instead of searching an ocean of policies, the team had everything packaged up for me.”
“Pika took the guesswork out of buying insurance. Between a smooth, modern quoting experience and immediate access to the team, they let me get back to preparing for our launch.”
“We needed insurance to close a large customer contract. Pika delivered a quote fast, with zero back-and-forth. We got our certificate of insurance the same day and kept the deal moving.”
“These guys are the best. Josh and Rhocar onboarded us in their office, and it was the fastest we've ever gotten insured. Bullish”
“Kudos to the team for building that from the ground up - it's been very exciting to learn about y'all recently given the press. I look forward to tracking Pika's growth story.”
“Working with some of the biggest companies in the world, they want us to have a lot of coverage because the risk is large. Pika takes care of everything, we don't have to go through the hassle of a new process every time a customer needs something new.”
“Getting insurance for our office spaces before used to mean days of emails, calls, and waiting on quotes. Pika got us a quote and certificate so fast I actually double-checked it was real.”
“Being protected by Pika enables us to focus on the business itself & helps us drive value for our customers like Coinbase, SoFi, and more”
“The Pika team, in a matter of minutes, took care of all the insurance requirements I needed in order to land our first 7-figure enterprise contract”
“Was procrastinating on getting insurance because of how tedious it seemed. Who knew you could get your business insured in 10 minutes.”
“We have hardware deployed all over the world and unique operational risks. Most brokers didn't really know what we were doing, but with Pika, I was able to walk them through our business and get something tailored to exactly what we need. I finally feel like we're in a really good spot.”
“The minute I hit submit, documents come back to me, a Slack channel gets created, and the founding team messages me. It's beautiful. I went through the application in five minutes and instead of searching an ocean of policies, the team had everything packaged up for me.”
“Pika took the guesswork out of buying insurance. Between a smooth, modern quoting experience and immediate access to the team, they let me get back to preparing for our launch.”
“We needed insurance to close a large customer contract. Pika delivered a quote fast, with zero back-and-forth. We got our certificate of insurance the same day and kept the deal moving.”
“These guys are the best. Josh and Rhocar onboarded us in their office, and it was the fastest we've ever gotten insured. Bullish”
“Kudos to the team for building that from the ground up - it's been very exciting to learn about y'all recently given the press. I look forward to tracking Pika's growth story.”
The main policies
Cover what you carry now, not what you might carry later. Add modules as the business grows.
Instant quote
Commercial General Liability (CGL)
Protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury arising from your operations.
Instant quote
Cyber Liability
Protects against losses and claims resulting from data breaches, cyberattacks, and network security failures.
Instant quote
Tech & AI Liability
Covers claims alleging your technology products or services failed to perform as intended, causing financial harm to a client.
Instant quote
Directors & Officers
Covers claims made against company leaders for alleged wrongful acts in managing the business.
Instant quote
Employment Practices Liability (EPLI)
Protects against claims alleging wrongful termination, discrimination, harassment, or other employment-related issues.
Instant quote
Fiduciary Liability
Protects your company and plan fiduciaries against claims alleging mismanagement of employee benefit plans, including retirement and health plans.
Instant quote
Media Liability
Protects against claims arising from your published or distributed content, including allegations of defamation, copyright infringement, or invasion of privacy.
Instant quote
Hired and Non-Owned Auto (HNOA)
Provides liability coverage when employees use rented or personal vehicles for company business.
1-14 days turnaround
Commercial Umbrella Liability
Provides excess liability limits above underlying policies such as general liability, auto liability, and employers liability.
1-14 days turnaround
Worker's Compensation
Provides benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs.
1-14 days turnaround
Contractors Professional
Covers claims arising from design, construction management, or other professional services performed by contractors.
1-14 days turnaround
Business Owners Policy (BOP)
Combines general liability and commercial property coverage into a single policy designed for small and growing businesses.
1-14 days turnaround
Real Estate E&O
Protects real estate professionals against claims alleging errors, omissions, or negligence in brokerage or advisory services.
1-14 days turnaround
Lawyer E&O
Covers claims alleging negligence or failure to perform professional legal services.
1-14 days turnaround
Miscellaneous E&O
Broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services.
1-14 days turnaround
Medical Malpractice
Protects healthcare professionals and organizations against claims alleging negligence in the delivery of medical services.
1-14 days turnaround
Representations and Warranties
Protects buyers or sellers in M&A transactions against financial loss arising from breaches of representations and warranties in purchase agreements.
1-14 days turnaround
Non-Profit D&O
Protects nonprofit organizations and their leadership against claims alleging wrongful acts in governance, management decisions, or fiduciary oversight.
1-14 days turnaround
K&R (Kidnap & Ransom)
Provides financial protection and crisis response support in the event of kidnapping, extortion, wrongful detention, or related security threats.
1-14 days turnaround
Crime Insurance
Protects businesses against financial losses caused by theft, fraud, forgery, employee dishonesty, and funds transfer or computer fraud.
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FAQ
Cost depends on your stage, industry, limits, state, and the policies you pick. Eligible pre-seed and seed startups often pay $2,000 to $5,000 per year for basic coverage, while Series A companies may pay $5,000 to $15,000 annually. See our full breakdown of startup insurance cost by stage. A quote is returned online without a sales call.
Most applications take under five minutes to complete, and cover is usually bound the same day. There is no broker in the chain, so nothing waits on a third party. A call is available if you want one and is not required.
It depends on your stage. Pre-seed and seed usually need General Liability, D&O, Tech E&O, and Cyber. Series A adds Media and EPLI. Growth-stage companies add Fiduciary. You can also build a custom package if you already know what you need.
Yes. A new round, the first non-founder hire or a larger enterprise contract each change the exposure. Policies can be added or raised from your dashboard at the point the business changes, rather than at renewal.
A broker's commission is a percentage of your premium, so what they earn rises with what you buy. We are paid on the analysis rather than on where the risk is placed. Your programme is priced off your own operations instead of a class average, quotes are returned immediately, cover can be bound the same day, and one team holds every policy on the account. Read more about how the two models compare.
If you're hiring, handling customer data, selling to enterprises, or fundraising, yes. Many investors and enterprise customers require specific coverage before signing. Putting cover in place early costs less than arranging it against a deadline.
You deal with the PikaGuard claims team directly. We take the incident details, prepare the documentation, coordinate with your legal team where that is needed, and report on the claim until it is settled.
Can’t find an answer to your question? Get in touch
We donate 20% of our profit
to the education of underprivileged children.