Amelia Risk vs 
Coalition: How Do They Compare for D&O Insurance?
Through appointed brokers, Coalition distributes Executive Risks coverage with up to $10 million per line potentially available; Amelia Risk focuses on D&O for startups and explains funding-stage timing.
Coalition sells D&O through your broker to private and nonprofit U.S. organizations with up to $500 million in assets and 1,000 employees, at limits up to $10 million. Amelia Risk brokers D&O but publishes no limits, size cutoffs or insurer, so you learn fit only by applying. 1,8,7
What Are the Key Differences Between Amelia Risk and Coalition D&O Insurance?
Published Size Limits vs No Published Cutoffs
Coalition's Executive Risks D&O covers private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets and up to 1,000 employees. You buy it only through an appointed broker. 7 Amelia Risk arranges D&O as a broker and its reviewed sources set no asset or employee cutoffs. 1 Choose Coalition if you are a private or nonprofit organization under $500 million in assets and 1,000 employees and your broker is appointed with it; choose Amelia Risk if you fall outside those limits and want a broker to find the market.
$10 Million Ceiling vs Limits Set at Quote
Coalition states limits up to $10 million per coverage line, so a larger tower means adding excess from another market. Amelia Risk publishes no D&O limit figure; you see capacity only once it quotes. 7 1
Hotline and HR Tools vs Claims Advocacy
Coalition gives Executive Risks policyholders a risk assessment, an HR and director/officer hotline, employee training and a handbook builder. 7 Amelia Risk's reviewed sources offer general claims-advocacy language but no governance training or board-advisory services. 1 2
What Should You Confirm in Amelia Risk and Coalition D&O Insurance Quotes?
- Give Coalition your asset, employee and ownership details first to check you qualify. 7
- Ask whether a Coalition quote is issued by Zurich American Insurance Company on an admitted basis or by an unaffiliated insurer. 8
- Ask Amelia Risk to name the issuing carrier and the limit it can place. 1
- Ask which hotline and risk-assessment services come with the Coalition policy. 7
Amelia Risk vs Coalition D&O Insurance Compared
Amelia Risk vs Coalition: D&O Insurance: documented features by provider
| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | Coalition Executive Risks — Directors and Officers Liability (D&O) |
|---|---|---|
| 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. | Coalition says Executive Risks products, including D&O, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 7Company-reported. Executive Risks FAQ as read on 2026-09-23. |
| 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. | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. 7Company-reported. Executive Risks product page as read on 2026-09-23. |
| 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. | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. 7Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms. |
| 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. | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 7Company-reported. Executive Risks product page as read on 2026-09-23. |
