--- title: "Amelia Risk vs Nationwide" description: "Amelia Risk offers a broker-led specialty placement process; Nationwide lists small-business products with online quote starts and agent purchase support." canonical: "https://spot.insure/compare/amelia-risk-vs-nationwide" page-type: "provider-comparison" updated-at: "2026-09-29" --- 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-nationwide) # Amelia Risk vs Nationwide Amelia Risk offers a broker-led specialty placement process; Nationwide lists small-business products with online quote starts and agent purchase support. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights Amelia Risk describes broker conversations and insurer approaches for startup, technology and consumer-product businesses. Nationwide presents a broader commercial catalogue and a small-business quote start that continues through an agent or phone. Both leave product eligibility and final terms to underwriting. [4](https://ameliarisk.com/specialties/ "Our Specialties") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Amelia Risk Role: Broker. Broker Spot Score: **5.1/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://spot.insure/insurance-providers/amelia-risk/reliability). ### Nationwide Role: Insurance carrier. Carrier & MGA Spot Score: **6.8/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Nationwide company issues a given commercial policy (Nationwide Mutual, Allied, Scottsdale or Nationwide E&S/Specialty) was not established, and AM Best's full member list PDF was not read. No entity-level rating for Scottsdale Insurance Company or Nationwide E&S/Specialty was verified.; AM Best's own site blocked our tool; the A (Excellent) rating rests on a press release copy and Nationwide's annual report.; Ohio Department of Insurance (Nationwide's home regulator) was not searched directly, and the Missouri DOI page returned a rate-limit error.; NAIC's own complaint index page for company 23787 was blocked, so no direct NAIC values were read.; Older Florida consent orders and a 2025 pet-insurance class-action settlement appeared in search but were not opened; no claims-payment timing or denial-rate data was found.). Read the [full reliability assessment](https://spot.insure/insurance-providers/nationwide/reliability). ## 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). ## Introduction Amelia Risk starts with a broker conversation for technology, startup and consumer-product risks; Nationwide offers a broader catalogue with online quote starts and agent purchase support. Your decision turns on whether you need specialty placement or a small-business channel for the specific policy. [4](https://ameliarisk.com/specialties/ "Our Specialties") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ## Coverage Comparison | Coverage Type | Amelia Risk | Nationwide | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. [33](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Amelia Risk arranges business owner’s policies for startups. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Listed: Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. [31](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations. [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed: Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. [33](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Amelia Risk arranges commercial auto insurance for consumer-product businesses. [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed: Nationwide lists commercial auto in its small-business product catalogue. The dedicated destination page was inaccessible during review; no vehicle, driver, or state terms are inferred. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. [34](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [42](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") | | [Crime](https://spot.insure/coverage/crime) | Listed: Amelia Risk arranges employee crime (fidelity) insurance. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed: Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. [38](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [40](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Amelia Risk arranges cyber insurance. [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed: Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. [36](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Amelia Risk arranges directors and officers liability. [13](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors And Officers Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed: Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. [41](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [40](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Amelia Risk arranges employment practices liability. [14](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed: Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. [35](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [40](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. [31](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [42](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Amelia Risk arranges fiduciary liability. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed: Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. [40](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: Amelia Risk arranges general liability insurance. [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed: Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. [42](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") [31](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") | | [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses. [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Not listed | | [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. [40](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") [41](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") | | [Product liability](https://spot.insure/coverage/product-liability) | Listed: Amelia Risk arranges product liability insurance for consumer-product businesses. [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") | Not listed | | [Product recall](https://spot.insure/coverage/product-recall) | Listed: Amelia Risk arranges product-recall insurance for consumer-product businesses. [12](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Not listed | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Amelia Risk arranges professional errors and omissions insurance for startups. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") | Listed: Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. [39](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. [37](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Amelia Risk arranges technology errors and omissions insurance for technology businesses. [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Not listed | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. [33](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Amelia Risk arranges umbrella and excess liability. [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed: Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Amelia Risk arranges workers’ compensation insurance. [15](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed: Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. [32](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | 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. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Amelia Risk and Nationwide ### Who Each Route Serves Amelia Risk describes specialty work across technology, startups and consumer products, including software, hardware, robotics and AI. Nationwide publishes distinct commercial channels for small firms, larger or complex risks, specialty and agribusiness. The difference is the entry point: Amelia describes a specialty broker conversation, while Nationwide organizes access by commercial segment. The listed audiences are not promises that either provider will accept a specific business. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ### Application and Underwriting Access Amelia Risk says it gathers information, approaches insurers, reviews proposals with the buyer and leaves the buying decision to the customer. It reports working with dozens of insurers but names no public appointment list. Nationwide says small-business customers can start a quote online and then call or work with an agent to purchase; its general company disclosure names possible underwriting affiliates without assigning an issuer to every product. If you value a broker-led review, ask Amelia how it will approach your risk; if you start with Nationwide, ask which underwriting company is attached to each proposal. [4](https://ameliarisk.com/specialties/ "Our Specialties") [4](https://ameliarisk.com/specialties/ "Our Specialties") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [45](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") ### Fees and Ongoing Service Amelia Risk’s public pages do not disclose commissions, client fees, retainers or premium examples; a consultation invitation does not establish free placement. Nationwide’s reviewed commercial pages also do not disclose agent commission rates or contingent compensation. Nationwide describes a 24/7 account for documents, billing and claims tasks. Amelia describes policy review and technology-enabled administration but does not specify which portal tasks are available to each client. Get the compensation terms and exact servicing workflow in writing before you compare total cost. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [43](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") ## What to Confirm in Quotes - Ask Amelia which insurers will be approached, what information it needs for your line, and which client-service tasks are available in each portal. Its public pages do not publish a complete insurer list or authenticated service workflow. [4](https://ameliarisk.com/specialties/ "Our Specialties") [4](https://ameliarisk.com/specialties/ "Our Specialties") [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") - Ask Nationwide to identify the underwriting company, state availability and forms for each product; its general disclosure says availability can differ by company and state. [45](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [45](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") - Compare policy limits, exclusions, fees and renewal responsibilities from the actual proposals; neither provider’s general marketing describes those terms for your risk. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [46](https://www.nationwide.com/business/ "Nationwide Commercial Insurance") ## Compare Services What each provider documents about the services you may need. | Criteria | Amelia Risk | Nationwide | | --- | --- | --- | | 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](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/about-us/ "About Us") [4](https://ameliarisk.com/specialties/ "Our Specialties") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [19](https://ameliarisk.com/privacy-policy/ "Privacy Policy") (Evidence: Company-reported; scope: Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.; verified: 2026-09-16.) | Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [45](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.; verified: 2026-09-29.) | | 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](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [3](https://ameliarisk.com/team/ "Our Team") [4](https://ameliarisk.com/specialties/ "Our Specialties") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.; verified: 2026-09-16.) | Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") (Evidence: Company-reported; scope: Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.; verified: 2026-09-29.) | | Coverage lines | You can ask Amelia Risk about general liability, umbrella or excess, stock throughput, product recall, D&O, EPL, workers’ compensation, cyber and Tech E&O. Specialty pages also list product, fiduciary and professional liability, BOP/property, auto and employee crime; these are marketed topics, not specimen forms or proof every applicant qualifies. [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [12](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [13](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors And Officers Liability") [14](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [15](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Official policy hub and specialty “policies to consider” lists accessed 16 September 2026. Educational explanations of Prop 65, advertising injury, and copacker certificates are not treated as separate catalogue lines.; verified: 2026-09-16.) | Nationwide lists BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety for small businesses, and separately markets inland marine, builders risk, professional E&O, commercial property, crime, D&O, fiduciary liability and management-liability products. Product listings do not establish that a buyer qualifies or that a named coverage is included in another policy. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [33](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [39](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [34](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [38](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [40](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") (Evidence: Company-reported; scope: Current official U.S. commercial catalogue pages reviewed Sep 29, 2026; not a complete state/class appetite map.; verified: 2026-09-29.) | | 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](https://ameliarisk.com/specialties/ "Our Specialties") [18](https://ameliarisk.com/contact/ "Contact Us") [2](https://ameliarisk.com/about-us/ "About Us") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.; verified: 2026-09-16.) | Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [31](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) | | Access to insurers | Ask for the insurers that would quote your business: Amelia Risk says it works with dozens of insurers and relationships with underwriters and wholesale brokers, but public pages name no insurers or publish no appointment list. [4](https://ameliarisk.com/specialties/ "Our Specialties") [2](https://ameliarisk.com/about-us/ "About Us") [21](https://ameliarisk.com/blog/the-importance-of-a-broker/ "The Importance Of An Insurance Broker") (Evidence: Company-reported; scope: Company-reported market access. No underwriting entity is assigned to the Amelia Risk brand.; verified: 2026-09-16.) | Nationwide identifies Nationwide Mutual Insurance Company and affiliates as possible P&C underwriting companies and says each underwriter is responsible for its own products. The reviewed general disclosure does not name the issuer for each commercial product; check the policy and declarations. [45](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: General group disclosure, not a line-, policy- or state-specific insurer crosswalk.; verified: 2026-09-29.) | | Fees and compensation | Do not assume the free-consultation invitation means free placement: official pages do not disclose commissions, client fees, retainers or premium examples, and the consultation reference is from a 2021 blog post. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/about-us/ "About Us") [4](https://ameliarisk.com/specialties/ "Our Specialties") [18](https://ameliarisk.com/contact/ "Contact Us") [19](https://ameliarisk.com/privacy-policy/ "Privacy Policy") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [21](https://ameliarisk.com/blog/the-importance-of-a-broker/ "The Importance Of An Insurance Broker") (Evidence: Not publicly disclosed; scope: Homepage, about, specialties, contact, privacy, and two 2021 blog posts. No terms of engagement page was found.; verified: 2026-09-16.) | The reviewed Nationwide commercial marketing and service pages do not disclose agent commission rates or contingent compensation terms. This packet does not establish whether or how an agent is compensated. [29](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [30](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [45](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Not found in reviewed sources; scope: Bounded page review; no producer agreement, quote or commission disclosure reviewed.; verified: 2026-09-29.) | ## Related Reading - [What Is Amelia Risk?](https://spot.insure/insurance-providers/amelia-risk) - [What Is Nationwide?](https://spot.insure/insurance-providers/nationwide) ## Related Comparisons - [AIG vs Amelia Risk](https://spot.insure/compare/aig-vs-amelia-risk) - [Alliance Risk vs Amelia Risk](https://spot.insure/compare/alliance-risk-vs-amelia-risk) - [Alliance Risk vs Nationwide](https://spot.insure/compare/alliance-risk-vs-nationwide) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs At-Bay](https://spot.insure/compare/amelia-risk-vs-at-bay) - [Amelia Risk vs Beazley](https://spot.insure/compare/amelia-risk-vs-beazley) - [Amelia Risk vs CFC](https://spot.insure/compare/amelia-risk-vs-cfc) - [Amelia Risk vs Chubb](https://spot.insure/compare/amelia-risk-vs-chubb) - [Amelia Risk vs Coalition](https://spot.insure/compare/amelia-risk-vs-coalition) - [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi) - [Amelia Risk vs Coterie Insurance](https://spot.insure/compare/amelia-risk-vs-coterie) - [Amelia Risk vs Coverdash](https://spot.insure/compare/amelia-risk-vs-coverdash) - [Amelia Risk vs Cowbell](https://spot.insure/compare/amelia-risk-vs-cowbell) - [Amelia Risk vs Embroker](https://spot.insure/compare/amelia-risk-vs-embroker) - [Amelia Risk vs Founder Shield](https://spot.insure/compare/amelia-risk-vs-foundershield) - [Amelia Risk vs Foxquilt](https://spot.insure/compare/amelia-risk-vs-foxquilt) - [Amelia Risk vs Gallagher](https://spot.insure/compare/amelia-risk-vs-gallagher) - [Amelia Risk vs Harper](https://spot.insure/compare/amelia-risk-vs-harper) - [Amelia Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/amelia-risk-vs-heffernan) - [Amelia Risk vs Hiscox](https://spot.insure/compare/amelia-risk-vs-hiscox) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Nationwide](https://spot.insure/compare/armilla-vs-nationwide) - [At-Bay vs Nationwide](https://spot.insure/compare/at-bay-vs-nationwide) - [Beazley vs Nationwide](https://spot.insure/compare/beazley-vs-nationwide) ## Sources ### [Amelia Risk Official Website](https://ameliarisk.com/) 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. [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. 3. [Our Team](https://ameliarisk.com/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](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. 5. [Insurance For Startups](https://ameliarisk.com/specialties/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](https://ameliarisk.com/specialties/cpg/). 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](https://ameliarisk.com/specialties/technology/). 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](https://ameliarisk.com/specialties/consumer-products/). 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](https://ameliarisk.com/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](https://ameliarisk.com/insurance-policies/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](https://ameliarisk.com/insurance-policies/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](https://ameliarisk.com/insurance-policies/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](https://ameliarisk.com/insurance-policies/directors-and-officers/). 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)](https://ameliarisk.com/insurance-policies/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](https://ameliarisk.com/insurance-policies/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](https://ameliarisk.com/insurance-policies/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](https://ameliarisk.com/insurance-policies/technology-errors-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](https://ameliarisk.com/contact/). 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](https://ameliarisk.com/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](https://ameliarisk.com/blog/who-is-amelia/). 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](https://ameliarisk.com/blog/the-importance-of-a-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](https://ameliarisk.com/blog/beyond-the-certificate/). 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](https://portal2018.nexsure.com/Login?key=0723CDE468584231BF409821). 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](https://portal.useascend.com/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](https://ameliarisk.epaypolicy.com/). ePayPolicy; Footer Pay Now / MAKE A PAYMENT link. Accessed 2026-09-16. 26. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency or Organization Name search. Accessed 2026-09-16. 27. [Look Up A National Producer Number](https://nipr.com/licensing-center/look-up-a-national-producer-number). National Insurance Producer Registry; Public NPN lookup definition page. Accessed 2026-09-16. 28. [Bizfile Online](https://bizfileonline.sos.ca.gov/). California Secretary of State; Business search. Accessed 2026-09-16. ### [Nationwide Official Website](https://www.nationwide.com/business/) 29. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29. 30. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29. 31. [Business Owners Policy (BOP Insurance)](https://www.nationwide.com/business/insurance/business-owners-policy-bop/). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29. 32. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29. 33. [Insurance for Inland Marine](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29. 34. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29. 35. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29. 36. [Cyber Liability & Data Breach Insurance](https://www.nationwide.com/business/insurance/cyber-liability/). Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29. 37. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29. 38. [Commercial Crime Insurance](https://www.nationwide.com/business/insurance/commercial-crime/). Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29. 39. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29. 40. [Commercial Liability Products](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29. 41. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29. 42. [Commercial Office Space Insurance](https://www.nationwide.com/business/insurance/industries/types/professional-office). Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29. 43. [Business Insurance Member Resources](https://www.nationwide.com/business/insurance/member-resources/). Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29. 44. [Business Insurance Claims FAQ](https://www.nationwide.com/business/insurance/claims/faq/). Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29. 45. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29. 46. [Nationwide Commercial Insurance](https://www.nationwide.com/business/). Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29. 47. [Nationwide Business Insurance Review 2026 — commercial complaint analysis](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance). NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29. Updated 2026-09-29. Spot is a product of Tools for Enlightenment, which works in the commercial-insurance market. This comparison describes provider-published materials and does not assess a specific policy. [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-nationwide.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)