Amelia Risk vs Gallagher

Amelia Risk presents itself as an independent, women-owned insurance brokerage—not as an insurer. It says it identifies a company’s risks, discusses insurance products, represents the buyer to insurers, and recommends a program. The official pages reviewed do not name a licensed producer entity suffix, license number, or NPN. ^1,2,4,20,19

Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. ^30,31

Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. ²⁹

Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. ^33,29

Amelia Risk says it is a women-owned and operated insurance brokerage in San Francisco whose team works with startups and high-growth companies. Its specialty pages address startups, better-for-you food, beverage and cosmetic (CPG) companies, technology businesses (including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences), and consumer-product or accessible-luxury brands. A company-hosted podcast transcript describes a primary CPG focus and work with higher-risk product categories such as baby food, skincare, and dietary supplements. Public pages do not state minimum revenue, headcount, or funding-stage eligibility. ^{1,3,4,5,6,7,8,22}

Gallagher markets a technology-specialist practice to startups, middle-market businesses and global enterprises, alongside a small-business offering for IT professionals and technology businesses. ^30,35

The reviewed technology and small-business pages do not state a minimum premium, funding round or revenue requirement for engaging the team. Ask which service model applies to a bootstrapped business. ^30,35,36

Amelia Risk publishes an Insurance Policies catalogue covering general liability and umbrella or excess, stock throughput (cargo), product recall, directors and officers (D&O), employment practices liability (EPL), workers compensation, cyber, and technology errors and omissions (Tech E&O). Specialty pages also list product liability, fiduciary liability, professional liability, a businessowner’s policy (BOP) with property, general liability, and hired and non-owned auto, owned and hired/non-owned auto, and employee crime as policies those clients should consider. Those labels are the firm’s marketed placement topics; they are not specimen forms, and they do not establish that every line is available to every applicant. ^{9,10,11,12,13,14,15,16,17,5,6,7,8}

Gallagher’s technology offering lists technology errors and omissions combined with cyber liability, intellectual property insurance, D&O, product liability and business interruption, plus employee-benefits services. These are marketed options, not a guaranteed package. ³⁰

Its executive-risk practice lists D&O, employment practices liability, fiduciary liability, crime, fidelity bonds, kidnap/ransom, and M&A representations and warranties insurance, with support for IPOs and direct listings. ³¹

The small-business catalogue includes a business owner’s policy, general liability, professional E&O, commercial property, auto, workers’ compensation, D&O, cyber, crime, employee benefits, flood and earthquake. The IT-business page also lists surety bonds. ^34,35

Gallagher also markets umbrella/excess liability through its casualty practice, builders risk and boiler-and-machinery coverage through its property practice, and separately negotiated product recall coverage. ^38,39,40

The reviewed AI Insurance Solutions page discusses AI adoption, governance and emerging exposures, but does not establish a standalone generative-AI liability policy or its California availability. ⁴¹

New business starts with a conversation or website contact form, not a public self-service binder. Amelia Risk describes four steps: understand the company and gather information; represent the buyer to insurers; review quotes and a recommendation with the client; then the client decides how to proceed. About copy says the firm will not ask clients to complete multiple PDFs or Word documents only to print, sign, and scan them back. A company-hosted interview describes D&O underwriting as possibly a matter of days or a few weeks with completed information, with a two-to-three-week comfortable budget—an illustrative timing comment, not a binding SLA. No public quote calculator or specimen application was found. ^{4,18,2,5,20,22}

The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. ^36,37

The reviewed official pages do not disclose broker commissions, contingent commissions, client fees, retainers, or premium examples. A 2021 blog post invites a free consultation. Absence of a published fee schedule is not evidence that insurance placement is free. ^{1,2,4,18,19,20,21}

Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. ³²