Amelia Risk vs Chubb: How Do They Compare for D&O Insurance?

Chubb insures D&O aimed at smaller private companies, with a published $500,000 limit for shareholder-demand reviews; Amelia Risk arranges coverage and highlights funding-stage timing for startup buyers.

Amelia Risk brokers D&O for startups, tech and consumer brands and says Series A term sheets usually require it; Chubb writes its own ForeFront Portfolio 3.0 policy for smaller private companies, with an optional extra $500,000 limit for executives. ^3,^4,^5,^6,^1,^2,⁷

What Are the Key Differences Between Amelia Risk and Chubb D&O Insurance?

Startup Broker vs One Chubb Policy Sold Through Agents

Amelia Risk places D&O for startups, tech companies and CPG brands, and its co-founder says underwriting takes a few days to a few weeks once your information is complete, so budget two to three weeks before a round closes. Chubb's ForeFront Portfolio 3.0 is quoted by agents and brokers through Chubb Marketplace, with separate versions for nonprofits and healthcare. Choose Amelia Risk if you're a seed or Series A startup or consumer brand buying D&O for a financing; choose Chubb if you're a smaller private company that wants IPO and failed-IPO coverage written in. ² ³ ⁵ ⁸ ⁷

Who the Policy Protects

Chubb's form covers the parent, subsidiaries, directors and officers including foreign equivalents, advisory board members and volunteers worldwide. Amelia Risk's co-founder says forms she has sold define "directors and officers" broadly enough to reach employees and interns. Ask to see the insured definition either way. ⁷ ²

Published Numbers

Chubb publishes a $500,000 sublimit for derivative-demand costs and an optional extra $500,000 reserved for executives. Amelia Risk publishes no D&O limits or prices, so you'll only see figures on a quote. ⁷ ¹

What Should You Confirm in Amelia Risk and Chubb D&O Insurance Quotes?

Ask whether your Chubb quote includes the optional $500,000 executive-only Side A limit. ⁷
Ask Amelia Risk which insurer would issue your policy; its pages don't name one. ¹
Start with Amelia Risk before a term sheet arrives; decisions made before a claims-made policy starts aren't covered. ²
If an IPO is plausible, ask each quote how road-show and failed-IPO claims are treated. ⁷

Amelia Risk vs Chubb D&O Insurance Compared

Amelia Risk vs Chubb: D&O Insurance: documented features by provider

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	Chubb ForeFront Portfolio 3.0 Directors & Officers and Entity Liability Insurance
Who It’s For	Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^3,^4,^5,⁶Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk says most companies consider D&O once they've taken outside funding, that Series A term sheets usually require it, and that it's becoming more common to see D&O bought at the seed stage as seed rounds grow larger. ^1,²Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.	Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. ^7,⁸Company-reported. ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list.
How to Apply	Amelia's co-founder says D&O underwriting can take as little as a few days to a few weeks once complete information is provided, and recommends budgeting two to three weeks; she also cautions founders not to wait until a funding round or other transaction is imminent, because decisions made before a claims-made D&O policy starts aren't covered by it. ²Company-reported. Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement.	Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. ⁸Company-reported. ForeFront Portfolio page quoting section.
Coverage Features	Amelia describes the D&O policy as covering the individual directors and officers, the board, and the entity, with claims typically alleging mismanagement and most often coming from shareholders, though they can also come from regulators, competitors, or employees. ¹Company-reported. D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations. In the company's podcast, co-founder Danielle Holyoake says the D&O policies she has reviewed and sold generally define "directors and officers" broadly enough to include employees and even interns, rather than naming specific individuals on the policy. ²Company-reported. Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places.	Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. ⁷Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. ⁷Company-reported. Coverage Highlights list, exclusion-related bullets. Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. ⁷Company-reported. Coverage Highlights list.
Role in This Line	Amelia Risk arranges D&O liability coverage for clients, describing and structuring the policy around protecting individual directors and officers, the board, and the company entity, rather than underwriting it directly. ¹Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.	Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. ⁷Company-reported. ForeFront Portfolio 3.0 D&O and Entity Liability product page.