Alliance Risk vs Amelia Risk: How Do They Compare for Workers’ Compensation Insurance?

Alliance Risk publishes indicative rate ranges per $100 of payroll and typical minimum premiums, while Amelia Risk, also a broker, explains premium as payroll times a rate and publishes no figures.

Alliance Risk lets you budget before you call, publishing workers' comp rates from $0.25–$1.50 per $100 of office payroll and $250–$1,000 minimum premiums; Amelia Risk publishes no figures but confirms every policy includes Employer's Liability for negligence suits. ^1,²

What Are the Key Differences Between Alliance Risk and Amelia Risk Workers’ Compensation Insurance?

Price Visibility Before You Apply

High-risk work runs far higher at Alliance Risk: its published ranges reach $7.00–$25.00+ per $100 of payroll for construction, so you can sanity-check a quote against them. ¹ Amelia Risk only explains that premium equals payroll times a rate, so you won't know your cost until it returns quotes. ² Choose Alliance Risk if you want a cost benchmark up front; choose Amelia Risk if you want a broker to shop your first-employee policy across the insurers it works with.

What Happens After You Buy

Alliance Risk says it manages claims "from first report to closure", runs return-to-work programs, and audits payroll for misclassification and wrong experience modifiers, errors that can inflate your bill. ¹ Amelia Risk's page describes no claims or audit service; its process ends with reviewing quotes together and letting you decide. ⁴

Owners and Officers

Amelia Risk says eligible officers can decline coverage for themselves. ² Alliance Risk says owner and partner injuries are excluded unless added by endorsement, so ask for it if you want owners covered. ¹

What Should You Confirm in Alliance Risk and Amelia Risk Workers’ Compensation Insurance Quotes?

Ask Amelia Risk for the rate applied to each of your payroll classes. ²
Ask Alliance Risk whether its employer's liability limit is included by default, since its page does not say. ¹
Ask both which insurer would issue your policy; neither names one, and in North Dakota, Ohio, Washington and Wyoming you must buy from the state fund. ¹ ²

Alliance Risk vs Amelia Risk Workers’ Compensation Insurance Compared

Alliance Risk vs Amelia Risk: Workers’ Compensation Insurance: documented features by provider

Criteria	Alliance Risk Workers' Compensation Insurance	Workers Compensation
Limits and Retentions	Alliance Risk publishes indicative rate ranges per $100 of payroll (for example $0.25–$1.50 for low-risk office roles up to $7.00–$25.00+ for high-risk construction work) and typical minimum premiums of $250–$1,000 per year, but statutory benefit amounts are set by state law rather than published on the page. ¹Company-reported. Workers' Compensation Insurance page, cost section; illustrative ranges, not a specific quote.	Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. ²Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule.
Who It’s For	Alliance Risk says nearly any business with W-2 employees needs workers' comp in most states, and highlights construction, manufacturing and healthcare as high-risk industries, along with employers using subcontractors, temps, seasonal workers, or a multi-state or remote workforce. ¹Company-reported. Workers' Compensation Insurance page, "Who Needs" section.	Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. ²Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state.
Coverage Features	Alliance Risk describes workers' comp as covering medical expenses, partial lost-wage replacement, temporary or permanent disability payments, rehabilitation and death benefits, while excluding off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. ¹Company-reported. Workers' Compensation Insurance page, "What Does/Doesn't Cover" sections; the issued policy and state statute control actual terms.	Amelia Risk describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. ²Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. ²Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component.
Role in This Line	Alliance Risk places workers' compensation coverage and says it provides state-by-state compliance review, claims and injury analysis, and carrier negotiation and benchmarking as a broker service for this legally required line. ¹Company-reported. Workers' Compensation Insurance page, "Our Approach" section.	Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. ³Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy.