---
title: "Amelia Risk vs Marsh: D&O Insurance"
description: "Amelia Risk is a startup broker that times D&O to your seed or Series A round, when term sheets usually require it. Marsh places D&O for public, private and nonprofit companies, with its MMA arm serving the middle market, and flags securities suits and ESG scrutiny."
canonical: "https://spot.insure/compare/amelia-risk-vs-marsh/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "amelia-risk-vs-marsh"
provider-a: "amelia-risk"
provider-b: "marsh"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Marsh 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 Marsh. 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 Marsh for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Amelia Risk or Marsh?
- What does Amelia Risk or Marsh publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Amelia Risk and Marsh.
- 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 Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) — 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
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

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

Marsh brokers D&O for public, private, and nonprofit companies and explains coverage for directors, company reimbursements, and entity claims; Amelia Risk focuses its D&O guidance on startups, technology companies, and financing stages.

Amelia Risk fits startups buying D&O around a seed or Series A round, while Marsh fits public and middle-market companies facing securities and ESG exposure.

## Amelia Risk vs Marsh D&O Insurance Summary

Amelia Risk is a startup broker that times D&O to your seed or Series A round, when term sheets usually require it. Marsh places D&O for public, private and nonprofit companies, with its MMA arm serving the middle market, and flags securities suits and ESG scrutiny. [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") [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") [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

## What Are the Key Differences Between Amelia Risk and Marsh D&O Insurance?

### Startup Funding Rounds vs Public-Company Securities Risk

Amelia Risk's co-founder advises budgeting two to three weeks for underwriting and not waiting until a round is about to close, because a claims-made policy won't cover decisions made before it starts. Marsh frames D&O by company type: public companies mainly face shareholder and regulator securities suits, while private and nonprofit organizations more often face employment-practices claims. Choose Amelia Risk if you're a startup, tech, CPG or consumer-products company buying your first D&O policy around a raise; choose Marsh if you're public, heading to an IPO, or a middle-market company that wants a large-broker practice. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [3](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### ESG and Broad Insured Definitions

Marsh warns that ESG scrutiny — emissions, labor practices, board diversity, executive pay — adds regulatory and litigation pressure on directors, which matters most if you have public shareholders. Amelia Risk's co-founder points to a different detail: the policies she has sold define "directors and officers" broadly enough to include employees and interns. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")

Neither firm publishes D&O limits or prices. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")

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

- Ask Amelia Risk for a bind date that lands before your round closes. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")
- If ESG topics are live for your board, ask Marsh how the proposed wording handles those claims. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)")
- Ask Marsh whether MMA or its main practice would handle your placement. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")
- Ask both which insurer would issue the policy; neither names one. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)")

## Amelia Risk vs Marsh D&O Insurance Compared

| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | Marsh Directors and Officers Liability (D&O) Insurance |
| --- | --- | --- |
| 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..) | Marsh says public company directors and officers typically face more securities-lawsuit exposure from shareholders and regulators, while private and non-profit organizations more often face employment-practices claims from customers, vendors or regulators; directors and officers of all organization types can face cyber-related liability exposure. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") (Evidence: Company-reported; scope: Marsh D&O page, common risks FAQ..) |
| 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..) | Marsh says D&O insurance typically has three coverage sides: Side A protects directors' and officers' personal assets when the organization cannot or will not indemnify them; Side B reimburses the organization for indemnifying directors and officers; Side C offers balance-sheet protection when the entity itself is named, generally limited to securities claims for public companies. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") (Evidence: Company-reported; scope: Marsh D&O page FAQ; illustrative policy structure, not a specific policy form..)<br><br>Marsh says ESG-related stakeholder scrutiny, covering areas such as carbon emissions, renewable-energy use, labor practices, board diversity and executive compensation, can add regulatory, legislative or litigation pressure on directors and officers beyond traditional D&O exposures. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") (Evidence: Company-reported; scope: Marsh D&O page, What other risks do directors and officers face? section..) |
| 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..) | Marsh's financial and professional liability practice places D&O insurance for public, private and non-profit companies; MMA also places D&O coverage within its executive and professional liability practice for middle-market clients. [7](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh D&O page and MMA executive and professional liability page..) |

## About Amelia Risk and Marsh 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)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Amelia Risk vs Marsh D&O Insurance

- [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh): 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)
- [Marsh D&O Insurance](https://spot.insure/insurance-providers/marsh/directors-officers)

## Sources for Amelia Risk vs Marsh 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 Marsh

7. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening positioning for public, private and non-profit companies; FAQs: What are the most common risks for directors and officers?; What does D&O insurance cover? (Side A, B, C); What other risks do directors and officers face?; Ruth Kochenderfer, D&O Product Leader. Accessed 2026-09-23.
8. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Directors and Officers subsection: covers costs from claims for alleged wrongful acts, including defense costs for civil, criminal and regulatory investigations. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-marsh/directors-officers.md)
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- [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)