What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 1,2,3
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 8,9
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 11,12
What Are the Key Differences Between Amelia Risk and Liberty Mutual Business Owner’s Policy?
Hired and Non-Owned Auto in the Package
Amelia Risk describes its BOP for startup and technology clients as combining property, general liability, and hired and non-owned auto liability in one policy. Liberty Mutual describes commercial property and general liability in its BOP, with cyber or professional liability as optional additions, and identifies auto as a separate policy. For founders or staff using personal or rented vehicles for work, ask Liberty Mutual whether auto liability must be placed separately and compare the resulting policy structure. 5 10
Which Businesses the Public Pages Address
Amelia Risk's BOP description is specifically for startup and technology clients; its consumer-products and CPG pages list general and auto liability separately rather than as a BOP. Liberty Mutual positions its product for small businesses and directs buyers to independent agents. The fit depends on your business and the insurer's underwriting, so a consumer-products company should not assume Amelia's startup package applies to it. 4 6 10
What Should You Confirm in Amelia Risk and Liberty Mutual Business Owner’s Policy Quotes?
- Ask Amelia Risk to confirm the BOP is available for your specific industry and whether hired and non-owned auto is included in the issued policy. 5
- Ask Liberty Mutual whether it can add hired and non-owned auto or requires a separate commercial-auto placement. 10
- Compare property and liability limits, auto terms, and the issuing insurer for each proposed package. 4 6 10
Amelia Risk and Liberty Mutual Review Scores for 2026
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 Review Score
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 reviewsLiberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsAmelia Risk vs Liberty Mutual Business Owner’s Policy Compared
Amelia Risk vs Liberty Mutual: Business Owner’s Policy: documented features by provider
| Criteria | Amelia Risk Businessowners Policy (BOP) Brokerage | Liberty Mutual Small Business Business Owner’s Policy |
|---|---|---|
| Role in This Line | 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. | Liberty Mutual markets a small-business BOP through its retail business channel. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. | Confirm in your quote. |
| Who It’s For | 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. | The page positions the product for small businesses and refers buyers to independent agents; it is not evidence of a mid-market BOP or universal availability. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | 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. | The page describes a BOP combining commercial property and general liability, with optional cyber or professional-liability additions; it distinguishes separate policies such as auto and workers’ compensation. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | 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. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 10Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | 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. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Liberty Mutual directs small-business buyers to independent-agent distribution for this BOP. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Related Pages for Amelia Risk vs Liberty Mutual
Business Owner’s Policy Pages for Amelia Risk and Liberty Mutual
Other Coverage Lines Compared for Amelia Risk vs Liberty Mutual
Other Business Owner’s Policy Provider Comparisons
Sources for Amelia Risk vs Liberty Mutual Business Owner’s Policy
Sources About Amelia Risk
- 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.
- Our Specialties. Amelia Risk Insurance Brokers; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
- 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.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Business owner's policy insurance. Liberty Mutual; Opened September 29, 2026. Lines 21–45 describe a small-business BOP combining property and general liability, common coverages, and optional cyber/professional-liability supplements. Lines 53–55 identify independent-agent distribution; lines 113–121 distinguish standalone GL, BOP, commercial package policy and separate commercial auto, workers compensation, farm, and inland marine risks. This is the small-business retail offer, not a mid-market form or issuer-level disclosure. Accessed 2026-09-29.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
