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

Amelia Risk advises startup founders to arrange D&O before a financing date; Corgi sells a standalone startup policy online with example limits up to $1 million per claim and $2 million total.

Corgi sells a fixed startup D&O policy you can quote online, with sample limits of $1 million per claim and $2 million a year. Amelia Risk brokers D&O around your fundraise and says underwriting takes two to three weeks once your information is complete. ^1,^2,⁷

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

Quote Online Today vs Broker Placement Before Your Round

Amelia Risk's co-founder says Series A term sheets usually require D&O, so if you wait for the term sheet a two-to-three-week placement can hold up your close. ² ¹ Corgi sells D&O on its own or inside stage-based packages that start at pre-seed and seed, and you request the quote online. ⁷ Choose Corgi if you are pre-seed or seed and want a standard policy fast; choose Amelia Risk if you want a broker to shop carriers ahead of a Series A. ⁷ ¹

Published Terms vs None on the Page

Corgi publishes its terms: a $25,000 retention per claim (none on Side A), defense costs inside the limit, and add-ons such as Outside Directorship and Crisis Event Expense. It also excludes claims from registered public offerings but carves back exempt deals such as Regulation D, and covers individual directors who get a Wells Notice, subpoena or target letter while excluding investigations of the company itself. ⁷ Amelia Risk publishes no limits, retentions or form terms; it says D&O claims usually allege mismanagement and most often come from shareholders. ¹

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

Ask Amelia Risk which carriers it would approach and what limit and retention they offer against Corgi's published figures. ¹ ⁷
Check which Corgi add-ons are on your quote and whether legal fees reduce the limit. ⁷
If a registered offering is ahead, ask how each policy handles public-securities claims. ⁷
Corgi's policy is issued by Technology Risk Retention Group, Inc., an insurer owned by its policyholders; check it can write D&O in your state. ⁷

Amelia Risk vs Corgi D&O Insurance Compared

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

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	Corgi Directors & Officers (D&O)
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.	You can request a D&O quote online through Corgi's self-serve application. ⁷Company-reported. Product page quote call to action.
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.	The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. ⁷Company-reported. Coverage summary for form CORG-DO-0100; the issued policy and declarations control. The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. ⁷Company-reported. Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt. Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. ⁷Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered.
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.	Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. ⁷Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

Criteria

Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage

Corgi Directors & Officers (D&O)

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.

You can request a D&O quote online through Corgi's self-serve application. ⁷Company-reported. Product page quote call to action.

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.

The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. ⁷Company-reported. Coverage summary for form CORG-DO-0100; the issued policy and declarations control.

The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. ⁷Company-reported. Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt.

Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. ⁷Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered.

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.

Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. ⁷Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.