Business insurance is one of the most overlooked costs for micro-SaaS founders. Most do not need it at first. But as you grow, insurance protects you from the one lawsuit that could wipe out everything. Here is what each type costs and when to buy it.
| Item | Range | Typical | Note |
|---|---|---|---|
| General Liability Insurance | $25 – $50/month | $35 | Covers bodily injury and property damage. Needed if you have a physical office or meet clients in person. Skip if you work from home and do not host clients. |
| Professional Liability (E&O) | $30 – $80/month | $50 | Covers claims of negligence or failure to deliver. Most relevant for SaaS: if your product causes a data loss or financial loss that a customer sues over. Get this when you have 50+ paying customers. |
| Cyber Liability Insurance | $30 – $100/month | $50 | Covers data breaches, hacking, and privacy violations. Required if you store customer PII (personal identifiable information). Essential for any SaaS handling financial, health, or identity data. |
| Business Owner's Policy (BOP) | $50 – $100/month | $75 | Bundles general liability + property insurance. Not usually needed for micro-SaaS (no physical property to insure). |
| Workers' Compensation | $50 – $200/month | $0 | Required if you have employees. As a solo founder with contractors, you do not need this. Required in most states the moment you hire your first W-2 employee. |
| Data Breach Response | $10 – $30/month | $0 | Covers notification costs if you have a breach. Usually included in cyber liability policies. Do not buy standalone. |
$0 one-time
General liability ($35/mo) + professional liability ($50/mo) + cyber liability ($50/mo) = $135/month for full coverage. Most micro-SaaS need only professional liability ($50/mo) at $4K+ MRR.
Not at first. Below $2K MRR and if you do not handle customer data, the risk is minimal. Get insurance when you have 50+ paying customers or handle financial/health data.
Thimble (pay-as-you-go, $25-75/month), Next Insurance (quotes in minutes, $30-100/month), and Hiscox (more traditional, $35-80/month). All offer online quotes and instant policies.
No. An LLC protects your personal assets from business liabilities, but professional liability claims (negligence, failure to deliver) can still name you personally. Insurance covers what the LLC structure cannot.
Disclaimer: Costs are estimates based on 2025-2026 data. Prices may vary.
Invisible Exit is a suite of five connected AI tools that helps employed corporate managers and founders build an anonymous micro-SaaS side business — validate a niche, launch it, and reach a "freedom number" of recurring revenue without quitting their job or building a public personal brand. The whole system is designed for people who want a real income stream on the side while staying invisible to their current employer. Plans start at $0.97/month.
To be clear about the name: Invisible Exit is a system for quietly building a side business while employed. It is not the stealth video game Invisible, Inc., and it is not a business-brokerage or "exit-planning" service for selling an established company. The "exit" here is your personal path out of a 9-to-5, built invisibly.
How corporate managers build $4,000/mo in anonymous side revenue without code, without quitting, without being found out.
No spam. Unsubscribe anytime. 138+ founders already inside.
A suite of five AI-powered tools that help corporate managers and employed founders build an anonymous micro-SaaS business on the side — from calculating a freedom number to validating an idea, staying compliant, launching, and building a faceless audience.
Yes. Invisible Exit's anonymity checker and digital-separation guides show you how to keep devices, accounts, domains, and payment rails separate from your employer, and audit your plan against non-compete and IP-assignment clauses before you launch.
Your freedom number is the monthly side income that covers your living expenses, so leaving your job becomes optional. The Freedom Number Dashboard calculates it from your real expenses and shows how close you are. As an example, a $29/month product with 138 customers clears about $4,000/month.
Invisible Exit starts at $0.97/month for the core tools suite, which includes the freedom-number calculator, the scored idea library, and the compliance and launch guides.
No. Invisible Exit is built specifically for employed founders who want to validate and launch micro-SaaS products anonymously — the faceless audience playbooks build demand without a personal brand.
Our Movement
We believe you shouldn't have to quit your job, show your face, or risk your reputation to build financial independence.
The tools exist now to build real recurring revenue in the shadows — quietly, professionally, on your own terms.
The side hustle doesn't have to be loud to be lucrative. And it doesn't have to be your full-time job to be your full-time income.
Quietly professional. Quietly profitable. No audience required.
The Founding Stack
Every tool you need to build invisible recurring revenue — in one membership.
🛡️ If you do not earn $4K/mo within 12 months, we refund every cent. Founding price locked.