Amelia Risk vs Gallagher: How Do They Compare for D&O Insurance?

Gallagher’s D&O practice supports IPO and blank-check merger programs with placement and claims advocacy; Amelia Risk arranges D&O for startups and technology companies and advises on funding-stage timing.

Amelia Risk places D&O for startups, tech companies and consumer brands at the point they take outside funding. Gallagher designs D&O for SPACs, IPOs and direct listings and puts in-house attorneys on its claims-advocacy team. ^3,^4,^5,^6,^1,^2,⁷

What Are the Key Differences Between Amelia Risk and Gallagher D&O Insurance?

Funding-Round Broker vs Going-Public Specialist

Both firms broker D&O rather than insure it. Amelia Risk covers startups, technology companies, CPG and consumer-product brands, and times D&O to your first outside funding. ³ ⁵ Gallagher targets SPACs around IPO and de-SPAC and companies going public by IPO or direct listing, bundling D&O before and after the event with related cover such as representations and warranties. ⁷ Amelia Risk's D&O pages describe no SPAC or de-SPAC program. ¹ Choose Amelia Risk if you are a private startup or consumer brand raising a round; choose Gallagher if you are a SPAC or planning an IPO or direct listing. ³ ⁷

Stronger Documented Claims Backing at Gallagher

Gallagher names a dedicated claims-advocacy team with in-house attorneys and says it benchmarks programs using data such as judicial climate and insurer performance. ⁷ Amelia Risk uses general claims-advocacy language and describes no in-house attorney team or insurer scoring. ¹ ² If a lawsuit against your board is a real risk, that difference matters.

What Should You Confirm in Amelia Risk and Gallagher D&O Insurance Quotes?

If you are a SPAC or IPO candidate, ask Gallagher how D&O before and after the event would be bundled with related cover. ⁷
Ask Amelia Risk who handles your side of a claim and whether an attorney is involved. ¹
Ask both for the limit, retention and issuing insurer in writing; neither publishes them. ⁷ ¹

Amelia Risk vs Gallagher D&O Insurance Compared

Amelia Risk vs Gallagher: D&O Insurance: documented features by provider

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	Gallagher Directors and Officers (D&O) Liability 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.	Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ⁷Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.
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.	Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ⁷Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.
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.	Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

Criteria

Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage

Gallagher Directors and Officers (D&O) Liability 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.

Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ⁷Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.

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.

Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ⁷Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.

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.

Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ⁷Company-reported. Group-level executive-and-financial-risk practice page.