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Amelia Risk vs Insureon

Amelia Risk describes a relationship-led brokerage for startups, technology, consumer products and CPG businesses, with a four-step process that gathers information, approaches insurers and reviews quotes with the client. Insureon serves broader small and midsize business segments through online quote entry and licensed-agent support. Choose the starting point based on whether you want a focused broker conversation or an online quote route; neither public description confirms producer authority, insurer, eligibility or final terms for your policy. 4,2,32,31

Introduction

Amelia Risk and Insureon both describe human help, but the starting workflow differs. Amelia Risk says it begins by understanding a company's needs, represents it to insurers, then discusses offers and a recommendation; Insureon offers an online application with licensed agents available during the process. The practical choice is whether you want a broker-led conversation from the outset or an online quote entry point. 4 2 32 31

Coverage Comparison

CoverageAmelia RiskInsureon
Business owner’s policyListed 5,7Amelia Risk arranges business owner’s policies for startups.Listed 41Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability.
Cargo and transitListed 11,9,6,8Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.Not listed
Commercial autoListed 6,8Amelia Risk arranges commercial auto insurance for consumer-product businesses.Listed 44Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability.
Commercial propertyNot listedListed 43Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability.
CrimeListed 5,7,6,8Amelia Risk arranges employee crime (fidelity) insurance.Not listed
Cyber liabilityListed 16,9,5,7,6Amelia Risk arranges cyber insurance.Listed 42Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
Directors and officersListed 13,9,5,7,6Amelia Risk arranges directors and officers liability.Not listed
Employment practices liabilityListed 14,9,5,7,6Amelia Risk arranges employment practices liability.Not listed
Fidelity bondsNot listedListed 47Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability.
Fiduciary liabilityListed 5,7,6,8Amelia Risk arranges fiduciary liability.Not listed
General liabilityListed 10,9,5,7,6Amelia Risk arranges general liability insurance.Listed 38Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability.
Hired and non-owned autoListed 10,5,7,6Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.Not listed
Product liabilityListed 6,8,10Amelia Risk arranges product liability insurance for consumer-product businesses.Not listed
Product recallListed 12,9,6,8Amelia Risk arranges product-recall insurance for consumer-product businesses.Not listed
Professional errors and omissions (E&O)Listed 5Amelia Risk arranges professional errors and omissions insurance for startups.Listed 40Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
Surety bondsNot listedListed 47Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability.
Technology errors and omissions (E&O)Listed 17,9,7Amelia Risk arranges technology errors and omissions insurance for technology businesses.Not listed
Tools, equipment and inland marineNot listedListed 46Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability.
Umbrella and excess liabilityListed 9,10,5,8Amelia Risk arranges umbrella and excess liability.Listed 45Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability.
Workers’ compensationListed 15,9,5,7,6Amelia Risk arranges workers’ compensation insurance.Listed 39Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Amelia Risk

Broker

Broker

5.1/ 10

Assessed provider: Amelia Risk. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Amelia Risk

2.0/ 10

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.[7]

Read Amelia Risk reviews

Insureon

5.8/ 10

Review Score

4 rated sources

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]

Read Insureon reviews

Key Differences Between Amelia Risk and Insureon

Broker and agency roles

Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. 1,2,4,20,19Company-reported. Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.

Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 31,32Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.

Amelia Risk describes itself as a brokerage representing the buyer; Insureon says it works as both an agent and broker. Ask who will represent you on the specific policy, which licensed entity will produce it, and which insurer will issue it. The company descriptions do not independently verify placement authority. 4 31

Customer fit

Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.

Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 32Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.

Amelia Risk's public pages emphasize industry specialties, including CPG and technology, while Insureon's page organizes a broader small and midsize business audience by business type and profession. Neither audience description is an underwriting rule. Ask whether your exact products, services, revenue, employee count and state fit the proposed insurer's appetite. 4 32

How an application proceeds

Expect a broker conversation rather than a self-service binder: Amelia Risk gathers information, approaches insurers, reviews quotes with you, and leaves the decision to you. It says clients need not print, sign and scan multiple forms. A hosted interview suggests D&O underwriting may take days or weeks and recommends a two-to-three-week budget; this is an illustration, not a service deadline. No public quote calculator or sample application was found. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 32,31,33Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.

Amelia Risk describes a broker-led sequence of gathering information, approaching insurers and reviewing quotes with the client. Insureon provides online quote entry, while noting that routing can depend on profession and may include a broker referral. Ask how each route will collect underwriting information and who will explain differences among proposals before you choose. 4 2 32

What to Confirm in Quotes

  • Ask Amelia Risk to name the licensed producing entity and proposed insurer and to explain which specialty markets will consider your exact business. 2 4
  • Ask Insureon whether your profession and business size follow an online quote route or broker referral, and request the insurer and policy form for each proposal. 32 31
  • Compare the same limits, deductibles or retentions, exclusions, fees and policy period. A broker's recommendation and an online quote are different service routes, not evidence of equal policy terms. 4 31

Compare Services

What each provider documents about the services you may need

CriteriaAmelia RiskInsureon
Business role

Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. 1,2,4,20,19Company-reported. Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.

Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 31,32Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.

Customer focus

Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.

Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 32Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.

Application process

Expect a broker conversation rather than a self-service binder: Amelia Risk gathers information, approaches insurers, reviews quotes with you, and leaves the decision to you. It says clients need not print, sign and scan multiple forms. A hosted interview suggests D&O underwriting may take days or weeks and recommends a two-to-three-week budget; this is an illustration, not a service deadline. No public quote calculator or sample application was found. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 32,31,33Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.

Sources

Amelia Risk Official Website

  1. Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
  2. About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
  3. Our Team. Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16.
  4. Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
  5. Insurance For Startups. Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider: D&O, EPL, fiduciary, professional liability, cyber, BOP (property, general liability, hired and non-owned auto), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  6. Insurance For CPG Companies. Amelia Risk Insurance Brokers; Better-for-you food, beverage and cosmetic audience; Insurance policies for CPG companies to consider: product liability, recall, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), general liability, employee crime/fidelity, workers compensation; FAQ on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16.
  7. Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: D&O, EPL, fiduciary, Tech E&O, cyber, BOP (property, general liability, hired and non-owned auto), general liability, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  8. Consumer Product Insurance. Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider: product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  9. Insurance Policies. Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16.
  10. General Liability. Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto (sometimes standalone); umbrella or excess over scheduled underlying liability limits. Accessed 2026-09-16.
  11. Stock Throughput. Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16.
  12. Product Recall. Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; when a company should buy it; As your broker, we help walk through these factors. Accessed 2026-09-16.
  13. Directors And Officers Liability. Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16.
  14. Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered; timing note on employers in California and New York. Accessed 2026-09-16.
  15. Workers Compensation. Amelia Risk Insurance Brokers; Description of workers compensation as statutory coverage required by all 50 states, and employer’s liability; when an employer with payroll should buy it. Accessed 2026-09-16.
  16. Cyber Liability. Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16.
  17. Technology Errors And Omissions. Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16.
  18. Contact Us. Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16.
  19. Privacy Policy. Amelia Risk Insurance Brokers; Opening identification of Amelia Risk Insurance Brokers and ameliarisk.com; comment, media and cookie notices. Accessed 2026-09-16.
  20. Why We Created Amelia Risk. Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16.
  21. The Importance Of An Insurance Broker. Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16.
  22. Podcast Episode – Beyond The Certificate With Startup CPG. Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Accessed 2026-09-16.
  23. Nexsure Client Login. Nexsure; Login page linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation. Accessed 2026-09-16.
  24. Ascend Insured Portal For Amelia Risk Insurance Brokers. Ascend; Login page at /amelia_risk_insurance_brokers linked from Amelia Risk navigation. Accessed 2026-09-16.
  25. Amelia Risk Pay Now. ePayPolicy; Footer Pay Now / MAKE A PAYMENT link. Accessed 2026-09-16.
  26. Business Name Search. California Department of Insurance; Agency or Organization Name search. Accessed 2026-09-16.
  27. Look Up A National Producer Number. National Insurance Producer Registry; Public NPN lookup definition page. Accessed 2026-09-16.
  28. Bizfile Online. California Secretary of State; Business search. Accessed 2026-09-16.

Insureon Official Website

  1. Terms and Conditions. Insureon; Opening legal identity paragraph (L51); footer identity/office disclosure (L95-98). Accessed 2026-09-28.
  2. Insurance Licenses by State. Insureon; Page description says Insureon is licensed in 50 states and Washington, D.C.; published state list L50-L103; footer legal entity/DBA L145-L148. Accessed 2026-09-28.
  3. How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
  4. Commercial Insurance for Small & Midsize Companies. Insureon; Application and general route (L82-86); small-business and midsize-business marketing segments and routes (L87-96). Accessed 2026-09-28.
  5. Contact Us and Get Insured Today. Insureon; Phone hours (L54-58); application, appointment and email routes (L62-78). Accessed 2026-09-28.
  6. Be prepared with a commercial insurance renewal checklist. Insureon; Updated March 5, 2026 (L84); account manager (L94-95); lead time and insurer decision (L116-127). Accessed 2026-09-28.
  7. About Insureon. Insureon; Who is Insureon (L58-67); online service claims (L75-82); TechInsurance/Insureon naming and history (L96-114); 2022 transaction description (L107). Accessed 2026-09-28.
  8. Careers at Insureon. Insureon; SPG and HUB logos and divisional statement (L56-65); legal footer (L110-112). Accessed 2026-09-28.
  9. Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Hub International; Published March 1, 2022; agreement and pending separate closings/asset allocation (L12-20); SPG operational plan (L29-30). Accessed 2026-09-28.
  10. General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
  11. Workers’ Comp Insurance: Buy Online & Get Free Quotes. Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365. Accessed 2026-09-29.
  12. Professional Liability Insurance - Get Online Quotes. Insureon; Product definition L67-L89; quote CTA and target users on page. Accessed 2026-09-29.
  13. Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
  14. Cyber Insurance - Get Online Quotes. Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA. Accessed 2026-09-29.
  15. Commercial Property Insurance - Get Online Quotes. Insureon; Product definition L67-L89; covered property examples; quote CTA. Accessed 2026-09-29.
  16. Commercial Auto Insurance - Get Fast & Free Quotes. Insureon; Product overview L67-L93; target vehicles and businesses; quote route. Accessed 2026-09-29.
  17. Commercial Umbrella Insurance - Get Online Quotes. Insureon; Product definition and underlying policies L67-L90; quote CTA. Accessed 2026-09-29.
  18. Tools & Equipment Insurance for Contractors - Get Online Quotes. Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
  19. Small Business Bonds and Insurance: What You Need to Know. Insureon; Fidelity bond definition/examples L86-L97; quote CTA; bonds/insurance distinction L65-L67. Accessed 2026-09-29.
  20. Compensation Disclosure Notice. Insureon; Sections describing commission, contingency income, supplemental commissions, client fees, technology service fees, carrier data services, and other compensation. Accessed 2026-09-28.
  21. How to File a Business Insurance Claim. Insureon; Sections 'Contact your insurance agent or carrier' and 'What if I bought a policy from Insureon?'; insurer reporting and agent assistance. Accessed 2026-09-28.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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