Amelia Risk vs
HUB International: How Do They Compare for Business Insurance?
HUB routes businesses with 50 or fewer employees or under $5 million in revenue to Insureon’s online flow; Amelia Risk offers broker-led shopping for startups and consumer brands without a published size threshold.
An Overview of Amelia Risk and HUB International
A 20-person skincare startup contacting HUB would fall under its small-commercial guideline and be pointed to Insureon, a digital agency HUB acquired in 2022, instead of a HUB advisor. Amelia Risk's specialty pages cover food, beverage, cosmetics, software and hardware companies and publish no revenue, headcount or funding minimum. HUB's advisors serve larger accounts, and its technology practice says it insures 5,000+ technology companies. 36 62 8 7 38 Choose Amelia Risk if you're an early-stage consumer-product or tech company under HUB's size line and want a broker rather than an online form; choose HUB if you're above 50 employees or $5 million in revenue and want claims staff, risk-management software and offices across North America.
What Stands Out About Amelia Risk and HUB International?
Amelia Risk at a Glance
- A women-owned San Francisco brokerage serves startups, consumer brands and technology companies. 1,3,4,5,6,7,8,22Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.
- A broker gathers your information, shops multiple insurers and reviews the quotes with you. 4,18,2,5,20,22Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.
HUB International at a Glance
- HUB’s technology practice serves startups and software, hardware and digital-media companies; HUB says it insures more than 5,000 technology businesses. 38Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.
- Qualifying small businesses can use Insureon’s online quote path; other accounts work with a HUB advisor or local office, with no public self-serve bind path for mid-market programs. 36,39,40,41,38,34Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.
Amelia Risk vs HUB International Coverage Lines Compared
A listing may be arranged through an insurer or partner. “Not listed” means we have no separate offering page for it; ask the provider whether it can quote the coverage and request the policy terms.
Amelia Risk and HUB International Coverage, Line by Line
Open what Amelia Risk and HUB International each publish for one coverage line.
Business Owner’s Policy
Cargo and Transit Insurance
Commercial Auto Insurance
Crime Insurance
Cyber Insurance
D&O Insurance
Employment Practices Liability Insurance
Fiduciary Liability Insurance
General Liability Insurance
Hired and Non-Owned Auto Insurance
Product Liability Insurance
Product Recall Insurance
Professional Liability (E&O) Insurance
Tech E&O Insurance
Umbrella and Excess Liability Insurance
Workers’ Compensation Insurance
Amelia Risk and HUB International Reliability Scores
Each score uses the criteria for that provider’s role. Providers with more than one role may have a score for each.
Amelia Risk Reliability Scores
No Reliability Score
HUB International Reliability Scores
Amelia Risk and HUB International 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 its sources, what it covers and how the score is calculated.
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.
Read Amelia Risk reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.
Read HUB International reviewsKey Differences Between Amelia Risk and HUB International
Who Gets a Broker
Above HUB's guideline, you work with a HUB advisor or local office; its San Francisco team markets to startups and technology companies. Below it, your path is Insureon's online quote, which may be handled apart from HUB's offices. Amelia Risk gathers your information, approaches insurers and reviews quotes with you regardless of size. Ask HUB which team would own your account before you compare. 29 36 62 4
Coverage for Products and Technology
Both can arrange the specialty lines product companies need. Amelia Risk lists stock throughput, product recall and tech E&O on its consumer-product and technology pages. HUB's technology practice lists cargo and stock, tech E&O and management coverage, and its casualty practice includes product recall. Don't assume an Insureon online application includes these specialty lines. 8 7 38 55
Services and What You Pay For Them
HUB describes local account teams, a claims-advocacy team, and risk-management software for claims and certificate tracking, though not every account gets every tool. HUB publishes how it's paid: insurer commissions, contingent payments, possible client fees and payments to affiliated wholesalers. Amelia Risk describes ongoing advice and claims advocacy but publishes no compensation details, so ask for them in writing. 44 61 60 35 4 19
What Should You Confirm in Amelia Risk and HUB International Quotes?
Ask HUB whether your proposal comes from Insureon, a local office or a specialist team, and who handles changes after you buy. From both, get the licensed producer, the insurers approached and all commissions and fees. If you hold inventory or ship products, confirm who handles recall and stock-throughput claims, not just certificates and renewals.
Amelia Risk vs HUB International Services Compared
What each provider says about the services you may need
Sources for Amelia Risk vs HUB International
Comparisons Related to Amelia Risk vs HUB International
AIG is an insurance group whose products use issuing affiliates; Amelia Risk describes a broker-led process for finding and comparing insurer quotes.
Compare AIG’s insurer-led commercial offerings with HUB’s brokerage and small-account routing, including where each path may suit a technology business.
Amelia Risk goes deeper on inventory and recall insurance for consumer-goods brands, while Alliance Risk offers a wider commercial catalogue and publishes quote timelines for tech companies.




