Amelia Risk vs Newfront D&O Insurance

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. ⁴Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. ¹⁴Company-reported. Executive Risk offering page and Leadership section.

The reviewed pages do not name an insurer for D&O placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to D&O specifically. ⁴Not publicly disclosed. D&O product page and podcast transcript, checked 23 September 2026.

The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. ¹⁴Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^6,7,8,9Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk says most companies consider D&O once they've taken outside funding, that Series A term sheets usually require it, and that it's becoming more common to see D&O bought at the seed stage as seed rounds grow larger. ^4,5Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.

Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. ¹⁴Company-reported. Here for the Long Run section; company-reported client counts, not independently verified.

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. ⁴Company-reported. D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations.

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. ⁵Company-reported. Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places.

Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. ¹⁴Company-reported. Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording.

Not described in the reviewed sources.

The reviewed Executive Risk page does not publish D&O limits or retentions. ¹⁴Not publicly disclosed. Executive Risk page as read on 2026-09-23.

The reviewed D&O materials don't describe governance training, board-advisory services, or other risk-control services specific to D&O policyholders beyond the coverage description and general claims-advocacy language. ^4,5Not found in reviewed sources. D&O product page and podcast transcript as read on 23 September 2026; does not establish that no such services exist, only that these pages don't describe them.

Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. ¹⁴Company-reported. Industry-Leading Technology section of the Executive Risk page.

Amelia's co-founder says D&O underwriting can take as little as a few days to a few weeks once complete information is provided, and recommends budgeting two to three weeks; she also cautions founders not to wait until a funding round or other transaction is imminent, because decisions made before a claims-made D&O policy starts aren't covered by it. ⁵Company-reported. Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement.

Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. ¹⁴Company-reported. Committed to Client Advocacy section and page call-to-action; no online quoting or binding described.

Not described in the reviewed sources.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. ¹⁴Company-reported. The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow.