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Amelia Risk vs Coalition

Compare Amelia Risk’s physical-product and technology brokerage with Coalition’s digital-risk coverage.

Introduction

A connected-product business may sell software, hold inventory and rely on a manufacturer at the same time. Amelia Risk markets CPG, consumer-product and technology brokerage, including stock throughput and product recall. Coalition markets cyber and technology E&O. The pair is useful for separating a physical-product insurance program from its digital-risk component. 6 7 9 29

Where Each Provider Shines

Where Amelia Risk Shines

  • Women-owned San Francisco brokerage focused on startups, CPG, technology, and consumer-product brands. 1,3,4,5,6,7,8,22
  • Places coverage by gathering information, approaching multiple insurers, and reviewing quotes with the client. 4,18,2,5,20,22

Where Coalition Shines

  • Combines Tech E&O and cyber coverage for technology businesses. 29
  • Control provides policyholders with monitoring, alerts and remediation guidance. 36

Coverage Comparison

Coverage TypeAmelia RiskCoalition
Business owner’s policyListed 5,7Not listed
Cargo and transitListed 11,9,6,8Not listed
Commercial autoListed 6,8Not listed
CrimeListed 5,7,6,8Listed 33
Cyber liabilityListed 16,9,5,7,6Listed 35
Directors and officersListed 13,9,5,7,6Listed 33
Employment practices liabilityListed 14,9,5,7,6Listed 33
Fiduciary liabilityListed 5,7,6,8Listed 33
General liabilityListed 10,9,5,7,6Not listed
Hired and non-owned autoListed 10,5,7,6Not listed
Media liabilityNot listedListed 46
Product liabilityListed 6,8,10Not listed
Product recallListed 12,9,6,8Not listed
Professional liability / E&OListed 5Listed 34
Technology errors and omissionsListed 17,9,7Listed 29
Umbrella and excess liabilityListed 9,10,5,8Listed 42
Workers’ compensationListed 15,9,5,7,6Not listed

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Amelia Risk and Coalition

Follow the Product from Manufacture to Customer Use

Amelia’s stock-throughput material addresses goods in transit and at locations, while its recall page offers brokerage help evaluating recall protection. Coalition’s Tech E&O description concerns third-party financial loss from technology errors. Those are distinct starting points: ask how a defective device, spoiled shipment and failed software update would be allocated across the proposed policies. Do not infer physical-product protection from an E&O title. 11 12 29

Local Advice Still Needs a Verified Placement Route

Amelia Risk lists San Francisco and East Bay locations. The reviewed public pages do not establish its current producer license, state-by-state placement authority or product-specific California availability. Those points remain unverified; an office location does not establish insurance eligibility. 1,18,15,14,26,28,27

Coalition documents an all-state cyber route and places Tech E&O under its surplus offering, but leaves the actual applicant and insurer to underwriting. Amelia’s Bay Area presence is relevant to its stated positioning, not proof of California authority or a particular product’s eligibility. Request the exact producer and insurer names before relying on either proposal. 39 30

Brokerage Advocacy Is Not the Same as Technical Response

Amelia says it advocates for clients during claims but does not publish detailed intake or handler information in the reviewed sources. Coalition describes cyber triage, recovery assistance and Control monitoring. A connected-product company needs to know both who coordinates a recall or liability claim and who handles a security incident; the roles should not be inferred from general client-service language. 4 21 37 36

What to Confirm in Quotes

Ask Amelia to map manufacturers, inventory locations and recall obligations to the proposed program, including insurer and valuation terms. Ask the technology broker to distinguish software financial loss from bodily injury or property damage, and obtain formal claims contacts for each policy. Amelia’s public pages leave compensation undisclosed, so request an engagement and itemized charges rather than equating a free consultation with free placement. 6 11 20 40

Service Comparison

Amelia Risk vs Coalition: documented services and availability

CriteriaAmelia RiskCoalition
Business role

Amelia Risk presents itself as an independent, women-owned insurance brokerage—not as an insurer. It says it identifies a company’s risks, discusses insurance products, represents the buyer to insurers, and recommends a program. The official pages reviewed do not name a licensed producer entity suffix, license number, or NPN. 1,2,4,20,19

Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. 30,35

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. 30

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. 30

Availability

Amelia Risk lists San Francisco and East Bay locations. The reviewed public pages do not establish its current producer license, state-by-state placement authority or product-specific California availability. Those points remain unverified; an office location does not establish insurance eligibility. 1,18,15,14,26,28,27

Coalition states that Executive Risks is available to private and nonprofit U.S. organizations in all states and Washington, D.C., with up to $500 million in assets, 1,000 employees and $500 million in plan assets, subject to limitations. 33

Coalition’s help center states that admitted and surplus cyber policies are offered in all 50 states and D.C., including California. Its product comparison lists Tech E&O and MPL under surplus coverage. This documents a California cyber placement route, but does not establish approval or the exact Tech E&O form for a particular applicant. 38,39

Access to insurers

Amelia Risk says it represents clients to the dozens of insurance companies with which it works and that its vertical focus supports relationships with underwriters, wholesale brokers, and carrier partners. The reviewed pages do not name those insurers, rating agencies, or program administrators, and they do not publish appointment lists. 4,2,21

Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. 31,30

Claims assistance

On its specialties page, Amelia Risk says it will advocate for the client’s needs during claims. A 2021 blog post describes a broker as an advocate at claims time. The pages do not describe a claims intake channel, dedicated claims staff, authority to settle, or claims-handling metrics. 4,21

Coalition describes in-house cyber claims triage and assistance attempting to recover stolen funds. Its Tech E&O page says the same claims team manages cyber and Tech E&O claims. These service descriptions do not establish response quality or payment of a particular loss. 37,29

Sources

Amelia Risk Official Website

  1. Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset at wp-content/uploads/2020/02/Amelia-Logo-cropped.jpg. Accessed 2026-09-16.
  2. About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
  3. Our Team. Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16.
  4. Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
  5. Insurance For Startups. Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider, including D&O, EPL, fiduciary, professional liability, cyber, BOP (property, GL, HNOA), umbrella, employee crime/fidelity, and workers compensation. Accessed 2026-09-16.
  6. Insurance For CPG Companies. Amelia Risk Insurance Brokers; Specialization for better-for-you food, beverage, and cosmetic companies; Insurance policies for CPG companies to consider; FAQ items on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16.
  7. Insurance For Technology Companies. Amelia Risk Insurance Brokers; Technology audience including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences; Insurance policies for tech companies to consider, including Tech E&O, cyber, BOP components, D&O, EPL, fiduciary, crime, and workers compensation. Accessed 2026-09-16.
  8. Consumer Product Insurance. Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider, including product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto, umbrella, employee crime/fidelity, and workers compensation. Accessed 2026-09-16.
  9. Insurance Policies. Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16.
  10. General Liability. Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto; umbrella or excess as higher limits over scheduled underlying liability. Accessed 2026-09-16.
  11. Stock Throughput. Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16.
  12. Product Recall. Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; As your broker, we help walk through these factors. Accessed 2026-09-16.
  13. Directors And Officers Liability. Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16.
  14. Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered; timing note referring to employers in CA and NY as more litigious environments, not a statement of Amelia Risk's licensed states. Accessed 2026-09-16.
  15. Workers Compensation. Amelia Risk Insurance Brokers; Educational description of workers compensation as statutory coverage required by all 50 states; when an employer with payroll should buy it. This is not a product-by-state eligibility schedule for Amelia Risk.. Accessed 2026-09-16.
  16. Cyber Liability. Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16.
  17. Technology Errors And Omissions. Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16.
  18. Contact Us. Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16.
  19. Privacy Policy. Amelia Risk Insurance Brokers; Opening identification: We are Amelia Risk Insurance Brokers & our website address is https://ameliarisk.com. WordPress-style comment/media/cookie notices; no producer license or compensation disclosure. Accessed 2026-09-16.
  20. Why We Created Amelia Risk. Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16.
  21. The Importance Of An Insurance Broker. Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16.
  22. Podcast Episode – Beyond The Certificate With Startup CPG. Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Company-hosted transcript of a third-party podcast.. Accessed 2026-09-16.
  23. Nexsure Client Login. Nexsure; Login URL linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation as of 16 September 2026; authenticated contents not reviewed. Accessed 2026-09-16.
  24. Ascend Insured Portal For Amelia Risk Insurance Brokers. Ascend; Path /amelia_risk_insurance_brokers linked from Amelia Risk navigation; unauthenticated request redirected toward login and did not expose policy contents. Accessed 2026-09-16.
  25. Amelia Risk Pay Now. ePayPolicy; Footer Pay Now / MAKE A PAYMENT target on ameliarisk.com; unauthenticated GET returned HTTP 500 during this review, so payment-flow details were not inspected. Accessed 2026-09-16.
  26. Business Name Search. California Department of Insurance; Agency or Organization Name search requires Cloudflare Turnstile. No license result for Amelia Risk was retrieved on 16 September 2026. This is an access limitation, not a negative license finding.. Accessed 2026-09-16.
  27. Look Up A National Producer Number. National Insurance Producer Registry; Public NPN lookup definition page reviewed; Amelia Risk’s official site does not publish an NPN to search, and no NPN was independently confirmed here. Accessed 2026-09-16.
  28. Bizfile Online. California Secretary of State; Business-search API request from this research environment was blocked by the site’s security service on 16 September 2026. No official California entity snapshot was retrieved. This is an access limitation, not a formation finding.. Accessed 2026-09-16.

Coalition Official Website

  1. Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage?; Coalition Advantage. Accessed 2026-09-16.
  2. Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
  3. U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
  4. U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
  5. Executive Risks. Coalition; Product Offering; FAQ: What type of businesses do you protect?; What resources do you have for policyholders?. Accessed 2026-09-16.
  6. Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; Broker Benefits. Accessed 2026-09-16.
  7. Active Cyber Insurance. Coalition; Coverage Advantage: breach response, cyber extortion, business interruption. Accessed 2026-09-16.
  8. Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
  9. Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
  10. Where does Coalition offer cyber insurance coverage?. Coalition; United States. Accessed 2026-09-16.
  11. Are there any differences between Coalition’s admitted and surplus lines products?. Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
  12. How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
  13. How do I qualify for and buy cyber insurance from Coalition?. Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
  14. Does Coalition offer Excess coverage?. Coalition; What excess products does Coalition offer, and in what regions?; submissions; claims. Accessed 2026-09-16.
  15. How do Cyber renewals work at Coalition?. Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
  16. How does Coalition make money?. Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
  17. Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
  18. Coalition AI Coverage. Coalition; Coverage in Action; Deepfake Response; final disclaimers. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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