Amelia Risk vs HUB International Business Owner’s Policy

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.

HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ¹¹Company-reported. BOP product page as read 2026-09-23; the page does not name an 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 an issuing insurer; HUB places BOP business with insurers that vary by client and placement. ¹¹Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.

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.

Not described in the reviewed sources.

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.

HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. ¹¹Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.

Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components.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.

Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. ¹¹Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

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.

HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. ¹¹Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.

Not described in the reviewed sources.

HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. ¹¹Company-reported. Product-page call to action as read 2026-09-23.