Amelia Risk vs HUB International D&O Insurance

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. ⁴Company-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. ^13,14Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.

The reviewed pages do not name an insurer for D&O placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to D&O specifically. ⁴Not publicly disclosed. D&O product page and podcast transcript, checked 23 September 2026.

The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^13,14Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote.

Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^6,7,8,9Company-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. ^4,5Company-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. ¹³Company-reported. D&O product page target-market description; not an underwriting appetite statement.

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. ⁴Company-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. ⁵Company-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. ¹³Company-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. ¹³Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

Not described in the reviewed sources.

Published D&O policy limits or retentions were not found on the reviewed pages. ^13,14Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

The reviewed D&O materials don't describe governance training, board-advisory services, or other risk-control services specific to D&O policyholders beyond the coverage description and general claims-advocacy language. ^4,5Not found in reviewed sources. D&O product page and podcast transcript as read on 23 September 2026; does not establish that no such services exist, only that these pages don't describe them.

HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ¹⁴Company-reported. ProEx page team and services description; not specific to a single D&O engagement.

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. ⁵Company-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. ¹³Company-reported. D&O product page call to action.

Not described in the reviewed sources.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ¹⁴Company-reported. ProEx page claims and legal support section.