Amelia Risk vs Relm Insurance 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.

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. ¹²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

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 Financial Lines page does not name a specific issuing insurer for D&O placements; Relm's separate legal-information and fronting-partner pages describe Relm Insurance Ltd. and an external fronting insurer generally, not tied to this specific line. ¹²Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

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.

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. ¹²Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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.

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. ¹²Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.

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.

The reviewed D&O page does not describe dedicated risk-control, governance-advisory or claims-advocacy services beyond the general coverage description. ¹²Not found in reviewed sources. Financial Lines page as read on 2026-09-23.

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.

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. ¹²Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages.