Alliance Risk vs Amelia Risk Business Owner’s Policy

Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. ^3,4Company-reported. BOP product page and the general brokerage disclosure on the coverage catalogue page.

Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. ^8,9Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.

Not described in the reviewed sources.

The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. ^8,9Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.

Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. ³Company-reported. BOP product page, Who Needs Business Owners Policy? section.

Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. ^8,9,10,11Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.

Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). ³Company-reported. BOP product page; actual endorsement availability depends on the carrier and underwriting.

Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. ³Company-reported. BOP product page, What Doesn't Business Owners Policy Cover? section.

Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. ^8,9Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.

Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. ³Not publicly disclosed. BOP product page as read on 2026-09-23.

Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. ^8,9Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23.

Not described in the reviewed sources.

The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. ^8,9,6Not found in reviewed sources. Startup, technology and specialties overview pages as read on 2026-09-23.

You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. ³Company-reported. BOP product page quote call to action.

Not described in the reviewed sources.