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

Relm Insurance places custom D&O through brokers for emerging sectors such as biotech, Web3, and AI; Amelia Risk arranges D&O for startups and technology companies and discusses financing timing.

Amelia Risk is a broker you hire directly, focused on startups, tech, CPG and consumer-product companies. Relm sells custom D&O only through brokers, with no direct quote, and targets Web3, biotech and AI companies. ^1,^3,^4,^5,^6,⁷

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

Broker You Hire vs Market Your Broker Uses

With Amelia Risk, a broker works your file; its co-founder says to allow two to three weeks for underwriting and not to wait until a round is about to close. Relm is a market your broker approaches on your behalf, describing custom rather than one-size-fits-all cover. Choose Amelia Risk if you're a startup or consumer brand without a broker and your Series A term sheet requires D&O; ask your broker about Relm if you're a Web3, biotech or AI company that standard markets struggle to place. ² ¹ ⁷

What Each Tells You About the Policy

Amelia's co-founder says policies she has sold generally define "directors and officers" broadly enough to include employees and even interns. Relm describes D&O in general terms only: personal-asset protection against claims from shareholders, regulators, competitors or employees. Neither publishes limits or pricing, so you'll compare them only on quotes. ² ⁷

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

Ask Amelia Risk which insurer would issue your policy and whether the form's insured definition includes employees. ¹ ²
If your broker brings a Relm quote, ask who issues the policy and who handles claims; Relm's page names neither. ⁷

Amelia Risk vs Relm Insurance D&O Insurance Compared

Amelia Risk vs Relm Insurance: D&O Insurance: documented features by provider

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	Relm Directors and Officers Liability 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,^4,^5,⁶Company-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. ^1,²Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.	Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. ⁷Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
How to Apply	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. ²Company-reported. Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement.	Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. ⁷Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages.
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. ¹Company-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. ²Company-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.	Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. ⁷Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.
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. ¹Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.	Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. ⁷Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.