3 Coverage Gaps That Could Bankrupt Your SaaS Company
Most CFOs miss Gap #3—the one that destroyed FailurePoint Tech with a $2.3M uncovered claim. Do not let your company be next.
The 3 Gaps That Destroy SaaS Companies
Each has killed at least one company in the last 12 months
The Silent Cyber Gap in Your General Liability
Your General Liability specifically excludes cyber incidents. That customer data breach? Not covered. The ransomware that shut you down? Not covered. The GDPR fine? Definitely not covered.
Real Casualty: DataSync Inc.
Thought their $5M GL policy covered everything. Customer data breach hit. GL denied coverage due to cyber exclusion. Cyber policy had $100K sublimit for third-party claims.
Warning signs:
- No standalone cyber policy
- Relying on GL for data breaches
- No incident response plan
The Silent Cyber Gap in Your General Liability
Your General Liability specifically excludes cyber incidents. That customer data breach? Not covered. The ransomware that shut you down? Not covered. The GDPR fine? Definitely not covered.
Real Casualty: DataSync Inc.
Thought their $5M GL policy covered everything. Customer data breach hit. GL denied coverage due to cyber exclusion. Cyber policy had $100K sublimit for third-party claims.
Warning signs:
- No standalone cyber policy
- Relying on GL for data breaches
- No incident response plan
The Silent Cyber Gap in Your General Liability
Your General Liability specifically excludes cyber incidents. That customer data breach? Not covered. The ransomware that shut you down? Not covered. The GDPR fine? Definitely not covered.
Real Casualty: DataSync Inc.
Thought their $5M GL policy covered everything. Customer data breach hit. GL denied coverage due to cyber exclusion. Cyber policy had $100K sublimit for third-party claims.
Warning signs:
- No standalone cyber policy
- Relying on GL for data breaches
- No incident response plan
The Terrifying Math of Coverage Gaps
Your Current Exposure Calculator
What This Exposure Means:
- One claim could destroy your company
- Personal bankruptcy for founders and executives
- 67% chance of business failure if any gap is triggered
- Board and investor lawsuits for negligence
The Probability You'll Get Hit
Annual Claim Probability:
- Cyber incident:31%
- Employment claim:19%
- Tech E&O claim:14%
- D&O lawsuit:11%
Combined Risk:
Chance you'll have at least one major claim in the next 3 years
With your current gaps: That claim won't be covered
How to Close Every Gap in 30 Days
The Old Way (Doesn't Work)
The AI Way (Actually Works)
Don't Wait Until It's Too Late
Every day with these gaps is a day closer to disaster. Find and fix your gaps before they destroy everything you've built.
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