If you have the money for the premium, you can get just about any kind of coverage you want. There are coverage types that protect a company from an honest mistake ruining the company. While the payout may not be able to keep the company intact, it could at least keep from total collapse. Insurance to protect if you get sued for mistakes. These are not the types of things you worry about as an employee of bigCorp, but in a start up, you learn about these things quickly if you find good business advisors.