Amelia Risk vs 
Beazley: How Do They Compare for Cyber Insurance?
Beazley sells Full Spectrum Cyber to accounts under $35 million with limits up to $5 million, via brokers; Amelia Risk places cyber for startups and consumer brands, treating social engineering as an add-on.
Beazley sells Full Spectrum Cyber to accounts under $35 million in revenue, with limits up to $5 million and Beazley Breach Response included. Amelia Risk arranges network-security and privacy liability for startups, technology and CPG clients and treats social engineering as an add-on. 6,2,3,4,5
What Are the Key Differences Between Amelia Risk and Beazley Cyber Insurance?
A Hard Revenue Ceiling Versus Specialty Broker Lists
Beazley Full Spectrum Cyber is available only to accounts under $35 million in annual revenue, with coverage limits up to $5 million, bought by a broker through myBeazley. Amelia Risk lists cyber among the policies it places for startups, technology companies, CPG brands and consumer-product companies, and it sets no published revenue cutoff. Choose Beazley if you sit under that $35 million ceiling and want Beazley Breach Response on the same company's paper; choose Amelia Risk if you are in those specialty segments and need a broker to structure network-security coverage without that cap. 6 2 3 4
In-House Breach Response Versus an Undescribed Claims Path
Beazley describes Beazley Breach Response as mobilizing forensics, legal counsel, notification, call centers, credit monitoring and public-relations support, plus discounted access to its in-house Beazley Security unit. Amelia Risk's reviewed cyber page does not describe a breach-response process or security-monitoring service, and it treats cyber-crime and social engineering as a traditional add-on. Compare who you actually call after ransomware, and whether crime covers sit in the base form. 6 1
What Should You Confirm in Amelia Risk and Beazley Cyber Insurance Quotes?
- Confirm Beazley's revenue eligibility and the exact limit available for your company. 6
- Ask Amelia Risk which insurer it will place, and whether social engineering is an add-on. 1
- On a Beazley MediaTech bundle, check whether cyber shares the policy aggregate with technology, professional and media coverages. 8
Amelia Risk vs Beazley Cyber Insurance Compared
Amelia Risk vs Beazley: Cyber Insurance: documented features by provider
| Criteria | Amelia Risk Cyber Liability Insurance Brokerage | Beazley Full Spectrum Cyber for Small Businesses |
|---|---|---|
| Who It’s For | Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. 2,3,4,5Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. 1Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold. | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. 6Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting. |
| Coverage Features | Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. 1Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations. Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. 1Company-reported. Cyber product page description as of 23 September 2026. | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. 8Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording. |
| Role in This Line | Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. 1Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy. | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. 6,7Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately. |
