Amelia Risk vs Gallagher Business Owner’s Policy

Amelia Risk lists a BOP for startup and technology clients with hired and non-owned auto; Gallagher publishes its small-business package and quote routes.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^8,^9,^10,^11,¹²

Read the Gallagher profile

What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. ¹⁵

Read the full coverage guide

Key Differences in Business Owner’s Policy

Bundled Components and Client Scope

Amelia Risk lists a BOP for startup and technology clients that combines property, general liability and hired and non-owned auto liability. Its CPG and consumer-product lists show general liability and auto liability separately rather than naming a BOP. Gallagher describes a BOP with general liability for bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses and defense costs, plus property coverage for a rented space and the equipment inside it. Neither description establishes equivalent policy forms. ⁴ ⁵ ⁶ ⁷ ¹³

What Gallagher Lists Outside the BOP

Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury and failure to protect sensitive information as not covered by the BOP description. Amelia Risk's BOP listings do not publish a comparable exclusion list, which does not establish that its policy covers those items. ¹³ ⁴ ⁵

How a Quote Starts

Gallagher offers an online form, a small-business advisor line at 1-833-292-9441 during published weekday hours, or a callback request. Amelia Risk's reviewed BOP listings do not describe a BOP-specific phone queue or online application; the general specialty pages direct prospects into its broader quote-review process. ¹⁴ ²

What to Confirm in Business Owner’s Policy Quotes

Ask Amelia Risk whether hired and non-owned auto liability is included on the BOP form for your business segment, and ask Gallagher whether auto is placed separately. ⁴ ¹³
Confirm which property, general-liability and auto exclusions apply to each quoted form; Amelia's listings do not provide Gallagher's exclusion-level detail. ⁵ ¹³
Get the issuing carrier, limits, deductibles, sublimits and endorsements from both quotes. Neither reviewed page publishes those policy-specific terms. ⁵ ¹³
Confirm whether the quoted BOP is offered to your industry and entity structure; Amelia's listing is segment-specific and Gallagher's page describes a broad small-business audience. ⁴ ¹³

Offering Details

Amelia Risk vs Gallagher Business Owner’s Policy: documented features by provider

Criteria	Amelia Risk Businessowners Policy (BOP) Brokerage	Gallagher Small Business Owner’s Policy
Role in This Line	Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. ^4,⁵Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.	Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ¹³Company-reported. Gallagher Small Business's direct-to-small-business BOP product page.
Issuing Insurer	The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. ^4,⁵Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.	The BOP product page does not name the insurer that would issue a given business's policy. ¹³Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.
Who It’s For	Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. ^4,^5,^6,⁷Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.	Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ¹³Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.
Coverage Features	Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. ^4,⁵Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.	Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ¹³Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ¹³Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.
Limits and Retentions	Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. ^4,⁵Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23.	The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ¹³Not publicly disclosed. Checked the BOP product page on 2026-09-23.
Risk Services	The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. ^4,^5,²Not found in reviewed sources. Startup, technology and specialties overview pages as read on 2026-09-23.	Not described in the reviewed sources.
How to Apply	Not described in the reviewed sources.	Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ¹³Company-reported. Product page "Get Covered Now" section.

Full Comparison

More Amelia Risk vs Gallagher Comparisons

Other Business Owner’s Policy Comparisons

Sources

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; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
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.
Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.

Business Owner’s Policy Guide

Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.