# Company coverage

URL: /systems/legal-and-corporate/insurance · Id: `capability:insurance`

> Company coverage obtains and renews the Company’s insurance policies, from general liability to cyber and directors and officers, sized to its risk.

Company coverage obtains and renews the [Company](/business/nouns/company)’s insurance, from general liability to errors and omissions, cyber, and directors and officers, sized to its risk.

## Contract
| Clause | Terms |
| --- | --- |
| Starts | Creation, from the [Startup Template](/business/nouns/startup-template)’s risk profile. A buyer’s certificate request, a first employee or a raise adds coverage. |
| Application | Assembled from facts the [Startup](/business/nouns/startup) holds. An officer signs every representation ([Insurance applications](/systems/legal-and-corporate/floor/insurance-applications)). |
| Binding | A licensed producer binds each policy ([Licensed acts](/systems/legal-and-corporate/floor/licensed-acts)). |
| Certificates | Issued to a buyer within one business day of the request. |
| While held | Inherited. The Studio-held entity’s program covers the Startup. |
| Records | Each policy as an [Agreement](/business/nouns/agreement), with renewals and claims tracked. |

## Verbs
None.

## Interfaces
- [API](/code/api/reference)
- [SDK](/code/sdk/reference)
- [CLI](/code/cli/reference)
- [MCP](/code/mcp/reference)

## Upstream
api.insure, under an Agreement.

## Example
An enterprise buyer of a call-summary API asks for proof of $2,000,000 in cyber coverage before signing. The certificate naming the buyer arrives the next morning, and the deal closes that week.