Amelia Risk vs 
HUB International: How Do They Compare for D&O Insurance?
HUB International brokers D&O for private, nonprofit, and public clients and describes attorney-led claims help; Amelia Risk’s published D&O guidance centers on startups, technology firms, and funding timing.
Amelia Risk brokers D&O for startups, tech and consumer brands and says Series A term sheets usually require it; HUB's ProEx practice covers private, nonprofit and public companies and gives you attorneys for claims. 3,4,5,6,1,2,7,8
What Are the Key Differences Between Amelia Risk and HUB International D&O Insurance?
Startup Fundraising Broker vs Large Broker for Every Company Type
Amelia Risk sells D&O to startups, tech companies and CPG and consumer-product brands, and its co-founder says to budget two to three weeks for underwriting before a round. HUB markets D&O to private companies, nonprofits with advisory boards and public companies with shareholders. Choose Amelia Risk if you're a seed or Series A startup buying D&O to close a financing; choose HUB if you're a nonprofit or public company. 3 5 2 7
Who Helps When You're Sued
HUB gives D&O clients a Claims & Legal Risks Group of attorneys, from reviewing policy wording before a claim through recovery, plus analytics and litigation support. Amelia Risk's D&O pages describe no governance training or D&O-specific risk services, so ask what help you get after a claim. 8 1 2
What Should You Confirm in Amelia Risk and HUB International D&O Insurance Quotes?
Amelia Risk vs HUB International D&O Insurance Compared
Amelia Risk vs HUB International: D&O Insurance: documented features by provider
| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | HUB International Directors and Officers Insurance Brokerage |
|---|---|---|
| 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. | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 7Company-reported. D&O product page target-market description; not an underwriting appetite statement. |
| How to Apply | Amelia's co-founder says D&O underwriting can take as little as a few days to a few weeks once complete information is provided, and recommends budgeting two to three weeks; she also cautions founders not to wait until a funding round or other transaction is imminent, because decisions made before a claims-made D&O policy starts aren't covered by it. 2Company-reported. Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement. | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 7Company-reported. D&O product page call to action. |
| 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. | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 7Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 7Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. |
| 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. | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 7,8Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
