---
title: "Amelia Risk vs Liberty Mutual: D&O Insurance"
description: "Amelia Risk brokers startup and technology D&O with funding-stage guidance, while Liberty Mutual includes D&O and investigation features in ProShield."
canonical: "https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "amelia-risk-vs-liberty-mutual"
provider-a: "amelia-risk"
provider-b: "liberty-mutual"
coverage-line: "directors-officers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Liberty Mutual 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 Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs Liberty Mutual for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Amelia Risk or Liberty Mutual?
- What does Amelia Risk or Liberty Mutual publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Amelia Risk or Liberty Mutual?

**Key facts:**
- Line: D&O Insurance. Providers: Amelia Risk and Liberty Mutual.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Amelia Risk vs Liberty Mutual](https://spot.insure/compare/amelia-risk-vs-liberty-mutual) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Amelia Risk vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Amelia Risk D&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon D&O Insurance](https://spot.insure/compare/amelia-risk-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Beazley D&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/directors-officers) — sibling comparison (other line, or other pair for this line)

# Amelia Risk vs Liberty Mutual: How Do They Compare for D&O Insurance?

Amelia Risk brokers startup and technology D&O with funding-stage guidance, while Liberty Mutual includes D&O and investigation features in ProShield.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Liberty Mutual for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk arranges D&O for startups, technology and consumer brands, describing protection for directors, officers, and the entity and advising buyers to plan around funding. Liberty Mutual includes D&O in ProShield with investigation and pre-claim inquiry features for private and nonprofit options. [4](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## 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](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## 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. [10](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [11](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [13](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [14](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [15](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### Who and What the Policies Cover

Amelia Risk describes D&O coverage for individual directors and officers, the board, and the company entity, with claims often alleging mismanagement. Liberty Mutual’s ProShield page highlights investigation and pre-claim inquiry coverage and separate options for private and nonprofit companies. Ask for the insured-person and entity definitions and confirm how investigation expenses affect the limit. [4](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Funding Stage and Timing

Amelia says most companies consider D&O after outside funding, Series A term sheets usually require it, and some firms buy at seed as rounds grow. Its co-founder recommends budgeting two to three weeks for underwriting and warns that decisions before a claims-made policy begins are not covered. Liberty Mutual’s ProShield overview identifies private-company options but does not specify funding-stage criteria or underwriting timing. Start discussions before a financing date and ask when prior acts coverage starts. [5](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Placement and Quote Terms

Amelia arranges coverage and does not name the insurer for D&O placements. Liberty Mutual offers D&O within ProShield, but its overview does not establish applicant-specific limits or deductibles. Request the carrier, limits, retention, prior-acts date, and any shared aggregate with other management-liability coverages from both routes. [4](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What to Confirm in D&O Insurance Quotes

- Ask Amelia which carrier will issue the policy and whether employees or interns fit its definition of insured persons. [5](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")
- Ask Liberty Mutual for the ProShield investigation and pre-claim terms, insured-person definition, and shared-limit structure. [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")
- Confirm both policies’ prior-acts dates and whether claims arising from pre-inception decisions can be reported. [5](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## Offering Details

| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | Liberty Mutual ProShield Directors and Officers coverage |
| --- | --- | --- |
| 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. [4](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..) | Liberty Mutual includes D&O coverage in its ProShield management-liability package. [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 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. [4](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Not publicly disclosed; scope: D&O product page and podcast transcript, checked 23 September 2026..) | Confirm in your quote. |
| Who It’s For | Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. [6](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [9](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. [4](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [5](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..) | The source describes private-company and not-for-profit ProShield options; it does not establish availability for every organization. [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 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. [4](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. [5](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..) | The page lists selected D&O features such as investigation and pre-claim inquiry coverage and separate options for private and not-for-profit companies; policy wording controls. [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | 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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [5](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Not found in reviewed sources; scope: 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..) | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [12](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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..) |
| 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. [5](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..) | Confirm in your quote. |

## Full Comparison

- [Amelia Risk vs Liberty Mutual](https://spot.insure/compare/amelia-risk-vs-liberty-mutual): 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 vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cyber)
- [Amelia Risk vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/general-liability)
- [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions)
- [Amelia Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/umbrella-excess)
- [Amelia Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/workers-compensation)
- [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers)
- [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers)
- [Alliance Risk vs Amelia Risk D&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/directors-officers)
- [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers)
- [Amelia Risk vs Aon D&O Insurance](https://spot.insure/compare/amelia-risk-vs-aon/directors-officers)
- [Amelia Risk vs Beazley D&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/directors-officers)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). 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. [Our Specialties](https://ameliarisk.com/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.
3. [About Us](https://ameliarisk.com/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.
4. [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.
5. [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.
6. [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.
7. [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.
8. [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.
9. [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.

### Liberty Mutual

10. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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.
11. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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.
12. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29.

### D&O Insurance Guide

13. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
14. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
15. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Amelia Risk Reviews

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

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.

- Google: Google star rating shown 1 (5 stars); 1 reviews. One named Pleasant Hill, California local-agent listing for the exact Amelia Risk Insurance Brokers LLC name; not firmwide or commercial-line-specific. Checked 2026-09-25. [Amelia Risk Insurance Brokers LLC | Local agents in Pleasant Hill, CA](https://agents.libertymutual.com/find-an-agent/state/california/pleasant-hill/amelia-risk-insurance-brokers-llc_4724726398)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/amelia-risk/reviews).

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)