What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 1,2,3
What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 10,11
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 15,16,17
What Are the Key Differences Between Amelia Risk and Counterpart D&O Insurance?
Funding Stage and Separate Organization Segments
Amelia Risk says companies often consider D&O after outside funding, that Series A term sheets usually require it, and that larger seed rounds are bringing earlier purchases. Counterpart publishes a private-company page and a separate page for not-for-profit organizations. Founders assessing a financing deadline should use Amelia’s timing guidance to start early, then confirm which Counterpart segment applies if the organization is nonprofit or investor-backed. 5 12 13
Who the Policy Is Described to Protect
Amelia describes D&O as protecting individual officers and directors, the board, and the entity against management claims, commonly from shareholders but also regulators, competitors, or employees. Counterpart’s private-company page describes management-liability claims and illustrative limits, and its nonprofit page is separately marketed. Ask both brokers for the exact insured-person definition and entity coverage in the proposed form; summaries alone do not establish who qualifies. 4 12 13
What Should You Confirm in Amelia Risk and Counterpart D&O Insurance Quotes?
Amelia Risk and Counterpart Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Amelia Risk Review Score
Review Score
1 rated source
Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]
Read Amelia Risk reviewsCounterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsAmelia Risk vs Counterpart D&O Insurance Compared
Amelia Risk vs Counterpart: D&O Insurance: documented features by provider
| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | Private Company and Nonprofit Directors & Officers Liability |
|---|---|---|
| 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. 4Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy. | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. 10,14Company-reported. The cited pages do not map a particular insurer to a D&O quote or state. |
| Issuing Insurer | The reviewed pages do not name an insurer for D&O placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to D&O specifically. 4Not publicly disclosed. D&O product page and podcast transcript, checked 23 September 2026. | Confirm in your quote. |
| Who It’s For | Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. 6,7,8,9Company-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. 4,5Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode. | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. 12,13Company-reported. Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review. |
| 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. 4Company-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. 5Company-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 private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. 12Company-reported. Illustrations and summaries are not policy terms or an available limit commitment. Counterpart separately markets D&O for not-for-profit organizations. 13Company-reported. The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy. |
| Risk Services | The reviewed D&O materials don't describe governance training, board-advisory services, or other risk-control services specific to D&O policyholders beyond the coverage description and general claims-advocacy language. 4,5Not found in reviewed sources. D&O product page and podcast transcript as read on 23 September 2026; does not establish that no such services exist, only that these pages don't describe them. | Confirm in your quote. |
| 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. 5Company-reported. Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement. | Confirm in your quote. |
Related Pages for Amelia Risk vs Counterpart D&O Insurance
D&O Insurance Pages for Amelia Risk and Counterpart
Other Coverage Lines Compared for Amelia Risk vs Counterpart
Other D&O Insurance Provider Comparisons
Sources for Amelia Risk vs Counterpart D&O Insurance
Sources About Amelia Risk
- 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. Accessed 2026-09-16.
- 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.
- 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.
- Directors and Officers Liability. 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.
- Podcast Episode – Beyond The Certificate With Startup CPG. 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.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
Sources About Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
