What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 1,2,3
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 9,10,11
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 13,14
Key Differences in Cyber Insurance
Amelia Risk Names Its Buyer Segments
Amelia Risk lists startups, technology companies, better-for-you food, beverage and cosmetic brands, and other consumer-product companies among the clients for which it places cyber liability. Nationwide describes cyber and data-breach coverage for businesses but its reviewed product overview does not specify comparable industries or company stages. A startup or product brand can use Amelia’s segment list to start an appetite discussion; ask either broker or agent to confirm eligibility for your particular operations and revenue. 5 12
Amelia Risk Describes Both Liability and First-Party Losses
Amelia says its placements combine network-security and privacy liability with first-party losses to the business and third-party claims alleging it was at fault. Nationwide’s overview describes expenses associated with cyberattacks and data breaches without specifying this same division of coverage. Compare the actual insuring agreements and determine whether your priorities are your own recovery costs, claims by others, or both. 4 12
Social Engineering Is an Add-On in Amelia’s Description
Amelia describes cyber-crime and social-engineering protection as a traditional add-on to its base cyber policy. Nationwide’s overview does not identify whether either feature is included or optional. If a fraudulent payment or impersonation loss is a key concern, request the endorsement wording and its sublimit from both quote paths instead of assuming it is part of the base policy. 4 12
What to Confirm in Cyber Insurance Quotes
- Ask Amelia Risk which insurers and forms are proposed for your startup or product business; ask Nationwide’s agent to identify the underwriting company and eligible business classes. 4 12
- Confirm whether social engineering, breach response, business interruption and network-security liability are base coverage or endorsements, with separate limits and retentions. 4 12
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
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 reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Amelia Risk vs Nationwide: Cyber Insurance: documented features by provider
| Criteria | Amelia Risk Cyber Liability Insurance Brokerage | Nationwide cyber (official overview) |
|---|---|---|
| Role in This Line | Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. 4Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy. | Nationwide describes offering cyber for the audience stated on the cited product page. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The reviewed pages do not name an insurer for cyber placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to cyber liability specifically. 4Not publicly disclosed. Cyber product page and specialty pages, checked 23 September 2026. | Confirm in your quote. |
| Who It’s For | Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. 5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. 4Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold. | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. 4Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations. Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. 4Company-reported. Cyber product page description as of 23 September 2026. | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 12Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | The reviewed cyber page does not describe security-monitoring, incident-response, or other risk-control services for cyber policyholders beyond the coverage description itself. 4Not found in reviewed sources. Cyber product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Claims Support | The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. 4Not found in reviewed sources. Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific. | Confirm in your quote. |
Full Comparison
More Amelia Risk vs Nationwide Comparisons
Other Cyber Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; 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.
- 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.
- Cyber Liability. Amelia Risk Insurance Brokers; What's covered by a Cyber Insurance Policy?; network security & privacy liability; first party and third party coverage; cyber-crime / social engineering as a traditional add-on; When should a company buy a Cyber Insurance Policy? Accessed 2026-09-23.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
Nationwide
- Small Business Insurance. 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.
- Small Business Insurance Solutions for Agents. 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.
- Terms and Conditions for Nationwide.com. 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.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
