Get Started

Amelia Risk vs Markel Insurance

Amelia Risk describes broker-led placement for startup, technology, consumer-product and life-sciences businesses; Markel’s filing describes a multi-channel U.S. insurance division with multiple underwriting subsidiaries. Confirm who will place and issue each policy. 4,29

Introduction

Coverage Comparison

CoverageAmelia RiskMarkel Insurance
Builders riskNot listedListed 49Markel builders risk
Business owner’s policyListed 5,7Amelia Risk arranges business owner’s policies for startups.Not listed
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.Listed 48Markel cargo and transit coverage
Commercial autoListed 6,8Amelia Risk arranges commercial auto insurance for consumer-product businesses.Not listed
Commercial propertyNot listedListed 47Markel commercial property
CrimeListed 5,7,6,8Amelia Risk arranges employee crime (fidelity) insurance.Listed 44Markel Cyber 360 eCrime component (standalone product not established)
Cyber liabilityListed 16,9,5,7,6Amelia Risk arranges cyber insurance.Listed 44Markel Cyber 360
Directors and officersListed 13,9,5,7,6Amelia Risk arranges directors and officers liability.Listed 46Markel private and nonprofit D&O
Employment practices liabilityListed 14,9,5,7,6Amelia Risk arranges employment practices liability.Listed 46Markel employment practices liability
Equipment breakdownNot listedListed 42Equipment-breakdown option within property coverage; standalone product not established
Fiduciary liabilityListed 5,7,6,8Amelia Risk arranges fiduciary liability.Listed 46Markel fiduciary liability
General liabilityListed 10,9,5,7,6Amelia Risk arranges general liability insurance.Listed 42Markel small-business casualty and property
Hired and non-owned autoListed 10,5,7,6Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.Listed 42Hired/non-owned auto option in small-business casualty; not commercial auto
Liquor liabilityNot listedListed 42Markel liquor liability
Management liabilityNot listedListed 46Markel management liability
Media liabilityNot listedListed 44Markel Cyber 360 media liability component (standalone product not established)
Product liabilityListed 6,8,10Amelia Risk arranges product liability insurance for consumer-product businesses.Listed 42Markel products liability
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 45Markel ProBiz miscellaneous E&O
Surety bondsNot listedListed 51Markel Surety bonds
Technology errors and omissions (E&O)Listed 17,9,7Amelia Risk arranges technology errors and omissions insurance for technology businesses.Listed 44Markel Cyber 360 technology professional liability component (standalone product not established)
Tools, equipment and inland marineNot listedListed 48Markel commercial inland marine
Umbrella and excess liabilityListed 9,10,5,8Amelia Risk arranges umbrella and excess liability.Listed 50Markel excess casualty and umbrella
Workers’ compensationListed 15,9,5,7,6Amelia Risk arranges workers’ compensation insurance.Listed 43Markel Workers Compensation

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

Markel Insurance

Carrier

Carrier & MGA

No Spot Score

Assessed provider: Markel Insurance. Scope: U.S. commercial insurance business and named insurer/service entities within Markel Insurance. Group ratings and company-published service-entity disclosures apply only to the named entities; product/state-specific insurer and claims roles remain quote/policy-specific.

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

Review Score

2.0/ 10

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

Markel Insurance

Review Score

Not enough ratings

Markel’s five Trustpilot reviews offer a limited picture of customer experience. BBB complaints span multiple company locations, and its 2022 J.D. Power score reflects agents’ views, so these sources do not establish current policyholder service.[4][3][6][1]

Read Markel Insurance reviews

Key Differences Between Amelia Risk and Markel Insurance

Business Roles and Insurer Access

Amelia Risk describes a broker-led process for identifying risks, approaching insurers and recommending a program. It does not present itself as the insurer. Markel Insurance describes its U.S. insurance operations within Markel Group Inc.; the FY2025 filing identifies multiple underwriting subsidiaries, so the insurer for a policy depends on its product and state. 4 29

Customer Focus and Application Route

Amelia Risk lists startup, technology, consumer-product and life-sciences businesses among the sectors it serves; it does not publish minimum revenue or funding-stage eligibility. Markel’s U.S. small-business page lists child care and enrichment, commercial and residential services, sports and fitness, and manufacturing as example segments; it is not a complete eligibility schedule. 4 36

Amelia Risk describes a broker conversation: it gathers information, approaches insurers and reviews quotes with the buyer, who makes the decision. Markel’s FY2025 filing describes wholesale and retail distribution for its U.S. Wholesale and Specialty division and says certain admitted products and programs are marketed directly to consumers. Its workers’ compensation page also invites an online application or an appointed-agent quote request; it does not establish online purchase or binding. 4 29 37

What to Confirm in Quotes

For the specific line and state, confirm the proposed underwriting company, placement channel, application steps and who will service the policy after issue. Compare actual policy wording, limits, retentions, exclusions, effective dates and total cost; the public descriptions do not establish equivalent coverage or eligibility. 4 29

Compare Services

What each provider documents about the services you may need

CriteriaAmelia RiskMarkel Insurance
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.

Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel Group's FY2025 filing identifies multiple underwriting subsidiaries. The insurer for a specific policy depends on the product, state and current quote or policy disclosures; Markel Insurance is not one standalone legal insurer. 29,30Company-reported. U.S. commercial-insurance identity and parent/business relationship; not a product-specific issuer assignment.

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.

Markel's U.S. small-business page lists child care and enrichment, commercial and residential services, sports and fitness, and manufacturing among the segments it describes. Separately, its FY2025 filing describes Markel Insurance's global specialty business as underwriting hard-to-place risks; that wording is not specific to U.S. Wholesale and Specialty. 36,29Company-reported. Company-stated U.S. small-business examples and separate global business characterization; neither establishes eligibility.

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.

Markel's FY2025 filing says U.S. Wholesale and Specialty distributes through wholesale and retail channels on admitted and excess-and-surplus bases, including limited small-account binding authority. In 2025, 71% of this division's gross written premium was placed through wholesale brokers, 26% through retail agents and brokers, and the remainder through alternative channels. Certain admitted products and programs are marketed directly to consumers, but that does not establish online purchase or binding for every product. 29Company-reported. FY2025 Markel Insurance U.S. Wholesale and Specialty distribution; not the whole Markel Insurance business.

For workers' compensation, Markel directs applicants to submit an online application or contact an appointed agent to request a quote; the reviewed page does not establish that purchase and binding are completed online. 37Company-reported. Markel U.S. workers' compensation page only; route to request a quote.

Agencies can request a Markel appointment; Markel says appointments are made by affiliated insurer and product, and producers must hold the required state license. This is a producer onboarding route, not an insured's application path. 40Company-reported. Commercial agency appointment information; not retail purchase process.

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.

Markel Insurance Official Website

  1. Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
  2. About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
  3. US Product Disclaimer. Markel; U.S. underwriting/entity and state-availability disclaimer; identifies Markel West Insurance Services, California license #2E11302, for certain non-admitted coverage. It does not state Markel Service national producer license #27585 or California DBA license #0645481. Accessed 2026-09-29.
  4. Insurance Programs. Markel; FAQ and legal disclaimer at page end; coverage by Markel insurers, Markel Service, Incorporated national producer license #27585 and California DBA license #0645481, and Markel West Insurance Services California license #2E11302 for certain non-admitted products. Accessed 2026-09-29.
  5. AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries. AM Best; Press release dated November 21, 2025; paragraphs naming ratings, rating rationale, and Markel North America Insurance Group members. Accessed 2026-09-28.
  6. North America Producer Compensation Disclosure. Markel; Base commissions, contingent compensation, business production/additional incentives, and Markel Specialty/Markel Service/insurer role statement. Accessed 2026-09-28.
  7. U.S. and Bermuda Claims Contacts. Markel; April 2026 claims-contact PDF footer: Markel West, Inc. d/b/a Markel West Insurance Services, California license #0D95581; coverage by one or more Markel insurers and non-admitted routes. Accessed 2026-09-29.
  8. Small Business Insurance. Markel; Small business products; Types of companies—Child care and enrichment, Commercial and residential services, Sports and fitness, Manufacturing. Accessed 2026-09-28.
  9. Workers Compensation Insurance. Markel; Introductory quote/application route; claims question and report-a-claim contact. Accessed 2026-09-28.
  10. Commercial Lines Agents & Broker Support. Markel; mPortal and Markel Online access; resources; digital distribution. Accessed 2026-09-28.
  11. My Account. Markel US; Online account portal capabilities; Business insurance; unlisted-product direction. Accessed 2026-09-28.
  12. Request appointment with Markel. Markel; Commercial and personal lines agency partner criteria; product-specific affiliate appointments; producer-license requirement. Accessed 2026-09-28.
  13. Markel Insurance Companies. Markel; Notice to California and Massachusetts Applicants and Insureds; U.S.-domiciled property and casualty insurer subsidiaries and affiliates; table of company names and market status (page states current as of 2024-04-01). Accessed 2026-09-28.
  14. Small Business Casualty and Property Insurance. Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
  15. Workers Compensation Insurance. Markel; Product overview and quote route; workers compensation/employers liability, eligible industries, claim and loss-control descriptions. Accessed 2026-09-29.
  16. Cyber Insurance Coverage. Markel; Markel Cyber 360; coverages available, cyber incident response, business interruption, privacy/security liability, media liability and technology professional liability. Accessed 2026-09-29.
  17. ProBiz | Professional Liability Coverage. Markel; What is Markel ProBiz; separate management liability and miscellaneous E&O; listed limits and qualifying business size. Accessed 2026-09-29.
  18. Private and Nonprofit Management Liability Insurance. Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections. Accessed 2026-09-29.
  19. Commercial Property Insurance. Markel; Commercial property product summary and eligible risks. Accessed 2026-09-29.
  20. Commercial Inland Marine Insurance. Markel; What we offer; inland marine classes, cargo, contractors equipment, transportation and coverage structure. Accessed 2026-09-29.
  21. Builders Risk Insurance. Markel; Coverage features; construction projects and builders-risk scope. Accessed 2026-09-29.
  22. Excess Casualty Insurance. Markel; Excess and umbrella liability and admitted/non-admitted capabilities. Accessed 2026-09-29.
  23. Markel Surety. Markel; Products; contract bonds, commercial bonds, court and probate bonds. Accessed 2026-09-29.
  24. Markel Insurance Company Complaints. Better Business Bureau; Company complaints summary: 12 in last three years, 3 closed in last 12 months; complaint-category counts and displayed case examples; headquarters and corporate-owned locations. Accessed 2026-09-29.

Updated . Tools for Enlightenment publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot