Amelia Risk vs 
Embroker: How Do They Compare for D&O Insurance?
Embroker offers online D&O quotes and publishes startup limits by funding stage; Amelia Risk focuses on startup and technology placements and advises founders to leave time before a financing event.
Embroker quotes D&O online and publishes startup limits by raise, from $1M to $2M with a $10,000 to $25,000 retention if you've raised up to $10M. Amelia Risk brokers D&O with no published limits and says to budget two to three weeks for underwriting. 7,1,2
What Are the Key Differences Between Amelia Risk and Embroker D&O Insurance?
Online Quote Sized to Your Raise vs Broker on a Two-to-Three-Week Clock
Embroker's table runs up to $8M to $10M of limits with a $25,000 to $75,000 retention once you've raised $100M to $250M, and it can package D&O with cyber and workers' comp. Amelia Risk says Series A term sheets usually require D&O and warns that decisions made before a claims-made policy starts aren't covered, so starting late costs you. Choose Embroker if you're a venture-backed startup close to a round and want a quote now; choose Amelia Risk if you run a CPG or consumer-product brand, one of its named specialties, and can start weeks ahead. 7 1 2 5
Who Counts as Insured, and Who Can Sue
Amelia's co-founder says policies she has sold generally define "directors and officers" broadly enough to include employees and even interns. Embroker's policy excludes suits between members of the same company, so a dispute among founders or with an insider may not be covered. 2 7
What Should You Confirm in Amelia Risk and Embroker D&O Insurance Quotes?
Amelia Risk vs Embroker D&O Insurance Compared
Amelia Risk vs Embroker: D&O Insurance: documented features by provider
| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | Embroker Directors and Officers Insurance |
|---|---|---|
| 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. | Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. 7Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company. |
| 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. | Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. 7Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. |
| 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. | Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. 7Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. 7Company-reported. Product-page What's not included section. Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. 7Company-reported. Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form. |
| 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. | Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. 7Company-reported. Product-page description; not a statement about the issuing insurer. |
