---
title: "Amelia Risk vs Corgi: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/amelia-risk-vs-corgi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "amelia-risk-vs-corgi"
provider-a: "amelia-risk"
provider-b: "corgi"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-corgi/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Corgi for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Amelia Risk versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs Corgi for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Amelia Risk or Corgi?
- What does Amelia Risk or Corgi publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Amelia Risk and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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 ready-made startup D&O policy online with published limits up to $1 million per claim, while Amelia Risk is a broker that places D&O for you and says to allow two to three weeks.

## Amelia Risk vs Corgi D&O Insurance Summary

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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## 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](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")

### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") Amelia Risk publishes no limits, retentions or form terms; it says D&O claims usually allege mismanagement and most often come from shareholders. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")

## 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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Check which Corgi add-ons are on your quote and whether legal fees reduce the limit. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- If a registered offering is ahead, ask how each policy handles public-securities claims. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## Amelia Risk vs Corgi D&O Insurance Compared

| 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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations..)<br><br>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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>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. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>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. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: 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. [7](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) |

## About Amelia Risk and Corgi and D&O Insurance

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-risk/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Amelia Risk vs Corgi D&O Insurance

- [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Amelia Risk D&O Insurance](https://spot.insure/insurance-providers/amelia-risk/directors-officers)
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)

## Sources for Amelia Risk vs Corgi D&O Insurance

### Sources About Amelia Risk

1. [Directors and Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk Insurance Brokers; What's covered by a Directors & Officers Liability (D&O) Policy?; When should a company buy a Directors & Officers Liability (D&O) Policy?. Accessed 2026-09-23.
2. [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk Insurance Brokers; Danielle Holyoake (CRO and co-founder) on D&O: why it comes up during fundraising, who it protects, when claims typically arise, underwriting timing of days to a few weeks with complete information, budgeting two to three weeks, and the caution against waiting until a transaction is imminent. Accessed 2026-09-23.
3. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
4. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
5. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
6. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.

### Sources About Corgi

7. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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