---
title: "Amelia Risk vs HUB International: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/amelia-risk-vs-hub-international/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "amelia-risk-vs-hub-international"
provider-a: "amelia-risk"
provider-b: "hub-international"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-hub-international/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and HUB International for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Amelia Risk versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs HUB International for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Amelia Risk or HUB International?
- What does Amelia Risk or HUB International publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Amelia Risk and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 is the D&O broker built around startup fundraising timelines; HUB serves private, nonprofit and public companies and adds attorney-staffed claims support.

## Amelia Risk vs HUB International D&O Insurance Summary

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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [4](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")

## What Should You Confirm in Amelia Risk and HUB International D&O Insurance Quotes?

- Ask both brokers for limits and retentions in writing; neither publishes them. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")
- Ask Amelia Risk and HUB which insurer would issue your policy; neither names one for D&O. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask HUB whether its attorney claims group is assigned to smaller private accounts. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Amelia Risk vs HUB International D&O Insurance Compared

| 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [4](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement..)<br><br>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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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. [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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. [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations..)<br><br>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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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. [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [7](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer..) |

## About Amelia Risk and HUB International and D&O Insurance

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-risk/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Amelia Risk vs HUB International D&O Insurance

- [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Amelia Risk D&O Insurance](https://spot.insure/insurance-providers/amelia-risk/directors-officers)
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)

## Sources for Amelia Risk vs HUB International D&O Insurance

### Sources About Amelia Risk

1. [Directors and Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk Insurance Brokers; What's covered by a Directors & Officers Liability (D&O) Policy?; When should a company buy a Directors & Officers Liability (D&O) Policy?. Accessed 2026-09-23.
2. [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk Insurance Brokers; Danielle Holyoake (CRO and co-founder) on D&O: why it comes up during fundraising, who it protects, when claims typically arise, underwriting timing of days to a few weeks with complete information, budgeting two to three weeks, and the caution against waiting until a transaction is imminent. Accessed 2026-09-23.
3. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
4. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
5. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
6. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.

### Sources About HUB International

7. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
8. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Public page index](https://spot.insure/llms.txt)