Start smart
You're not making this up as you go. You're starting smart.
Most founders and business owners skip insurance until something goes wrong. You’re here because you know better. Let’s get the essentials right, without overpaying or overthinking it.
You're in the right place if:
1
You’re about to launch (or just launched) your business.
2
You’re working out what insurance you actually need.
3
You want to do this right, but don’t want to spend a fortune.
4
Everyone’s telling you different things, and you just want a straight answer.
What matters most right now
Getting the basics right, affordably.
You don’t need every policy under the sun. You need the essentials that let you trade legally, protect you from the big risks, and keep you compliant, without blowing your startup budget.
Common questions
From business owners at this stage
Do I need insurance before I've made any money?
Yes, if you’re trading. Even if you’re pre-revenue, the moment you’re interacting with clients, suppliers, or the public, you’re exposed to risk. And some contracts require proof of insurance before you can start work.
How much does insurance cost for a new business?
Depends on your industry and what you’re covering. We’ll work with you and do our best to find coverage that fits your budget without cutting corners on protection.
Can I just get insurance once I start making money?
Technically, yes. Practically, no. If something happens before you’re insured, you’re personally liable. That’s the kind of thing that can kill a business before it even gets started.
What if I'm still testing/in beta?
If you’re interacting with real clients—even for free—you should be insured. Beta doesn’t mean risk-free.
What our clients say
Rated 5.0 on GoogleInsurance broker Sam has been very professional and insightful to work with. She went above and beyond with ongoing communication throughout the whole process. Highly recommend.
Dealing with Sam Raco is always a seamless experience. Prompt responses and excellent options to suit our personal and financial needs. Will continue interacting with this provider and agent.
I have used Sam at With Pocket for our business insurance needs — cyber, professional indemnity and business — for several years now. Sam is exceptionally easy to deal with; responsive, knowledgeable and genuinely invested in getting the right outcome. Nothing is ever too much trouble and she goes above and beyond to ensure we have the right product. What also stands out is the process she has around quoting, accepting cover and funding — it is seamless and efficient in a way I have not experienced with any other broker. I could not recommend her highly enough.
What happens next
Once you’re launched and making sales, your needs will change. As you grow, you’ll add team members, increase revenue, and take on bigger risks. That’s when you move from Start Smart to Scale Strong.
You are here
Just starting out – start smart.
Next step
Scaling your business – scale strong.
Last step
Established and optimising – stay protected.
Ready to stop Googling and start building?
Book a 15-minute call with the Pocket team. We'll have options for you in a few days.