--- title: "Amelia Risk vs Resilience" description: "Compare an entire technology-company insurance program with specialist cyber and technology E&O coverage and security services." canonical: "https://spot.insure/compare/amelia-risk-vs-resilience" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Amelia Risk", "Resilience"] --- [Human-readable page](https://spot.insure/compare/amelia-risk-vs-resilience) # Amelia Risk vs Resilience Compare an entire technology-company insurance program with specialist cyber and technology E&O coverage and security services. ## Research Scope and Use Use this comparison to evaluate Amelia Risk and Resilience against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Amelia Risk arranges multi-line startup and technology programs. Resilience combines cyber and technology E&O offerings with separately scoped cybersecurity services; its published US technology E&O appetite starts at $25 million revenue. [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [29](https://cyberresilience.com/ "Home Page") [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [4](https://ameliarisk.com/specialties/ "Our Specialties") [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") [36](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [37](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") [30](https://cyberresilience.com/disclaimer/ "Disclaimer") [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [2](https://ameliarisk.com/about-us/ "About Us") [34](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") ## Introduction A technology company reviewing cyber insurance may be selecting a specialist policy rather than replacing its overall broker. Amelia Risk markets technology programs including management and employee-related coverage. Resilience combines cyber and technology E&O offerings with security services; its published US technology E&O appetite runs from $25 million to $10 billion in revenue. Smaller companies should not assume that range applies to every cyber product or that an exception is available. [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [29](https://cyberresilience.com/ "Home Page") [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") ## Documented Provider Strengths ### Amelia Risk - Women-owned San Francisco brokerage focused on startups, CPG, technology, and consumer-product brands. [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.) - Places coverage by gathering information, approaching multiple insurers, and reviewing quotes with the client. [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.) ### Resilience - Technology E&O for software, hardware and technology services [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) - Financial risk prioritization and multi-entity cyber visibility [36](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [37](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Amelia Risk | Resilience | | --- | --- | --- | | Business owner’s policy | Listed [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Not listed | | Cargo and transit | Listed [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") | Not listed | | Commercial auto | Listed [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Not listed | | Crime | Listed [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") | Not listed | | Cyber liability | Listed [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 [31](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") | | Directors and officers | Listed [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") | Not listed | | Employment practices liability | Listed [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") | Not listed | | Fiduciary liability | Listed [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") | Not listed | | General liability | Listed [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") | Not listed | | Hired and non-owned auto | Listed [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 | | Product liability | Listed [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 | Listed [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 liability / E&O | Listed [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") | Not listed | | Technology errors and omissions | Listed [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") | Listed [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") | | Umbrella and excess liability | Listed [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") | Not listed | | Workers’ compensation | Listed [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") | Not listed | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## 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://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Amelia Risk and Resilience ### Product Appetite Comes Before Feature Comparison Resilience's technology E&O page addresses software, AI, hardware and other technology businesses, with primary and excess options. Amelia describes representing clients to insurers rather than offering one named form. First confirm which product and layer Resilience would consider, then compare its wording with the alternative insurer's proposal. Neither company's technology positioning establishes eligibility for the actual revenue mix or contractual obligations. [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [4](https://ameliarisk.com/specialties/ "Our Specialties") [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") ### Security Tools Are Separate from Policy Limits Resilience markets Edge for prioritizing security spending by estimated financial impact and Arc for viewing risk across multiple entities. Its disclaimer says buying insurance is not tied to buying security services. Amelia discusses cyber placement and brokerage advice, without establishing an equivalent security-service package. Request separate insurance and service scopes so tool access is not mistaken for additional coverage or assumed to be included in premium. [36](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [37](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") [30](https://cyberresilience.com/disclaimer/ "Disclaimer") [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [2](https://ameliarisk.com/about-us/ "About Us") ### Identify the Insurer and the Incident Team Resilience's US disclosure names Ocrea Risk Services as distributor and Homeland Insurance Company of New York or Delaware as underwriting insurers, without resolving the issuer for a California quote. It describes a 24/7 claims team and outside incident specialists. Amelia describes claims advocacy. Clarify who receives notice and authorizes response work, while keeping broker assistance separate from the insurer's coverage decision. [30](https://cyberresilience.com/disclaimer/ "Disclaimer") [34](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [4](https://ameliarisk.com/specialties/ "Our Specialties") ## What to Confirm in Quotes Ask for product-specific revenue eligibility, the legal issuer, California placement status and complete primary/excess wording. Identify required security controls, optional service costs and how incident vendors are engaged. Separately confirm who coordinates D&O, workers compensation and any physical-product policies; the cyber proposal does not replace that wider program. ## Service Comparison Amelia Risk vs Resilience: documented services and availability. | Criteria | Amelia Risk | Resilience | | --- | --- | --- | | Business role | Amelia Risk presents itself as an independent, women-owned insurance brokerage—not as an insurer. It says it identifies a company’s risks, discusses insurance products, represents the buyer to insurers, and recommends a program. The official pages reviewed do not name a licensed producer entity 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.) | Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. [29](https://cyberresilience.com/ "Home Page") [31](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Brand-level offering; not a statement that the brand is the risk-bearing insurer.; verified: 2026-09-16.)

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. [30](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US distribution entity; regulator license lookup not completed.; verified: 2026-09-16.) | | Customer focus | Amelia Risk says it is a women-owned and operated insurance brokerage in San Francisco whose team works with startups and high-growth companies. Its specialty pages address startups, better-for-you food, beverage and cosmetic (CPG) companies, technology businesses (including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences), and consumer-product or accessible-luxury brands. A company-hosted podcast transcript describes a primary CPG focus and work with higher-risk product categories such as baby food, skincare, and dietary supplements. Public pages do not state 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.) | Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Published US primary and excess technology E&O appetite; not a minimum established for every cyber product.; verified: 2026-09-16.) | | Coverage lines | Amelia Risk publishes an Insurance Policies catalogue covering general liability and umbrella or excess, stock throughput (cargo), product recall, directors and officers (D&O), employment practices liability (EPL), workers compensation, cyber, and technology errors and omissions (Tech E&O). Specialty pages also list product liability, fiduciary liability, professional liability, a businessowner’s policy (BOP) with property, general liability, and hired and non-owned auto, owned and hired/non-owned auto, and employee crime as policies those clients should consider. Those labels are the firm’s marketed placement topics; they are not specimen forms, and they do not establish that every line is available to every applicant. [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.) | Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. [31](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Marketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.; verified: 2026-09-16.)

Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.; verified: 2026-09-16.) | | Application process | New business starts with a conversation or website contact form, not a public self-service binder. Amelia Risk describes four steps: understand the company and gather information; represent the buyer to insurers; review quotes and a recommendation with the client; then the client decides how to proceed. About copy says the firm will not ask clients to complete multiple PDFs or Word documents only to print, sign, and scan them back. A company-hosted interview describes D&O underwriting as possibly a matter of days or a few weeks with completed information, with a two-to-three-week comfortable budget—an illustrative timing comment, not a binding SLA. No public quote calculator or specimen 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.) | Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. [33](https://cyberresilience.com/brokers "Brokers") [35](https://cyberresilience.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Observed public broker/contact route; no application submitted or portal accessed.; verified: 2026-09-16.) | | Servicing and renewals | Amelia Risk says it uses technology to streamline administration while remaining available by phone, and that it reads policies, negotiates coverage and pricing, and keeps programs updated as companies grow. Navigation links a Nexsure client login, an Ascend insured portal path for Amelia Risk Insurance Brokers, and a Pay Now URL on ePayPolicy. Authenticated portal screens and a working payment flow were not reviewed (the payment host returned HTTP 500 when opened without a session). [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") [23](https://portal2018.nexsure.com/Login?key=0723CDE468584231BF409821 "Nexsure Client Login") [24](https://portal.useascend.com/amelia_risk_insurance_brokers "Ascend Insured Portal For Amelia Risk Insurance Brokers") [25](https://ameliarisk.epaypolicy.com/ "Amelia Risk Pay Now") (Evidence: Company-reported; scope: Service claims are company-reported. Portal URLs confirm a client-login path exists; they do not document certificate, billing, or endorsement tools inside the portals.; verified: 2026-09-16.) | Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. [36](https://cyberresilience.com/products/security-investment-prioritization "Security Investment Prioritization") [37](https://cyberresilience.com/products/multi-entity-and-portfolio-risk "Multi-Entity & Portfolio Risk") (Evidence: Company-reported; scope: Current named cybersecurity products; outcomes not independently established.; verified: 2026-09-16.)

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. [30](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: Company disclaimer; does not establish free services or package pricing.; verified: 2026-09-16.)

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. [33](https://cyberresilience.com/brokers "Brokers") [31](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [32](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Scoped to current HTML pages; older package materials were not used to promise current renewal terms.; verified: 2026-09-16.) | ## Related Reading - [What Is Amelia Risk?](https://spot.insure/insurance-providers/amelia-risk) - [What Is Resilience Insurance?](https://spot.insure/insurance-providers/resilience) ## Related Comparisons - [Alliance Risk vs Amelia Risk](https://spot.insure/compare/alliance-risk-vs-amelia-risk) - [Alliance Risk vs Resilience](https://spot.insure/compare/alliance-risk-vs-resilience) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs At-Bay Insurance](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](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 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](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) - [Amelia Risk vs Kinro](https://spot.insure/compare/amelia-risk-vs-kinro) - [Amelia Risk vs Layr](https://spot.insure/compare/amelia-risk-vs-layr) - [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo) - [Amelia Risk vs Newfront](https://spot.insure/compare/amelia-risk-vs-newfront) - [Amelia Risk vs ERGO NEXT](https://spot.insure/compare/amelia-risk-vs-next-insurance) - [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance) - [Amelia Risk vs Relm Insurance](https://spot.insure/compare/amelia-risk-vs-relm) - [Amelia Risk vs RiskCube](https://spot.insure/compare/amelia-risk-vs-riskcube) - [Amelia Risk vs Risklytics Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics) - [Amelia Risk vs StartupInsurance.ai](https://spot.insure/compare/amelia-risk-vs-startupinsurance) - [Amelia Risk vs TechInsurance](https://spot.insure/compare/amelia-risk-vs-techinsurance) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Amelia Risk vs Travelers](https://spot.insure/compare/amelia-risk-vs-travelers) - [Amelia Risk vs USI](https://spot.insure/compare/amelia-risk-vs-usi) - [Amelia Risk vs Vouch](https://spot.insure/compare/amelia-risk-vs-vouch) - [Amelia Risk vs WithCoverage](https://spot.insure/compare/amelia-risk-vs-withcoverage) - [Armilla vs Resilience](https://spot.insure/compare/armilla-vs-resilience) - [At-Bay vs Resilience Insurance](https://spot.insure/compare/at-bay-vs-resilience) - [Beazley vs Resilience](https://spot.insure/compare/beazley-vs-resilience) - [CFC vs Resilience](https://spot.insure/compare/cfc-vs-resilience) - [Chubb vs Resilience](https://spot.insure/compare/chubb-vs-resilience) - [Coalition vs Resilience](https://spot.insure/compare/coalition-vs-resilience) - [Corgi vs Resilience](https://spot.insure/compare/corgi-vs-resilience) - [Coterie Insurance vs Resilience](https://spot.insure/compare/coterie-vs-resilience) - [Coverdash vs Resilience](https://spot.insure/compare/coverdash-vs-resilience) - [Cowbell vs Resilience](https://spot.insure/compare/cowbell-vs-resilience) - [Embroker vs Resilience](https://spot.insure/compare/embroker-vs-resilience) - [Founder Shield vs Resilience](https://spot.insure/compare/foundershield-vs-resilience) - [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience) - [Harper vs Resilience](https://spot.insure/compare/harper-vs-resilience) - [Heffernan vs Resilience](https://spot.insure/compare/heffernan-vs-resilience) - [Hiscox vs Resilience](https://spot.insure/compare/hiscox-vs-resilience) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [Kinro vs Resilience](https://spot.insure/compare/kinro-vs-resilience) - [Layr vs Resilience](https://spot.insure/compare/layr-vs-resilience) - [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience) - [Marsh vs Resilience](https://spot.insure/compare/marsh-vs-resilience) - [Mylo vs Resilience](https://spot.insure/compare/mylo-vs-resilience) - [Newfront vs Resilience](https://spot.insure/compare/newfront-vs-resilience) - [ERGO NEXT Insurance vs Resilience](https://spot.insure/compare/next-insurance-vs-resilience) - [Pie Insurance vs Resilience](https://spot.insure/compare/pie-insurance-vs-resilience) - [Relm Insurance vs Resilience](https://spot.insure/compare/relm-vs-resilience) - [Resilience vs RiskCube](https://spot.insure/compare/resilience-vs-riskcube) - [Resilience vs Risklytics](https://spot.insure/compare/resilience-vs-risklytics) - [Resilience vs StartupInsurance.ai](https://spot.insure/compare/resilience-vs-startupinsurance) - [Resilience vs TechInsurance](https://spot.insure/compare/resilience-vs-techinsurance) - [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford) - [Resilience vs Travelers](https://spot.insure/compare/resilience-vs-travelers) - [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi) - [Resilience vs Vouch](https://spot.insure/compare/resilience-vs-vouch) - [Resilience vs WithCoverage](https://spot.insure/compare/resilience-vs-withcoverage) ## 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 at wp-content/uploads/2020/02/Amelia-Logo-cropped.jpg. 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, including D&O, EPL, fiduciary, professional liability, cyber, BOP (property, GL, HNOA), umbrella, employee crime/fidelity, and workers compensation. Accessed 2026-09-16. 6. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Specialization for better-for-you food, beverage, and cosmetic companies; Insurance policies for CPG companies to consider; FAQ items 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; Technology audience including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences; Insurance policies for tech companies to consider, including Tech E&O, cyber, BOP components, D&O, EPL, fiduciary, crime, and 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, including product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto, umbrella, employee crime/fidelity, and 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; umbrella or excess as higher limits over scheduled underlying liability. 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; 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 referring to employers in CA and NY as more litigious environments, not a statement of Amelia Risk's licensed states. Accessed 2026-09-16. 15. [Workers Compensation](https://ameliarisk.com/insurance-policies/workers-compensation/). Amelia Risk Insurance Brokers; Educational description of workers compensation as statutory coverage required by all 50 states; when an employer with payroll should buy it. This is not a product-by-state eligibility schedule for Amelia Risk.. 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: We are Amelia Risk Insurance Brokers & our website address is https://ameliarisk.com. WordPress-style comment/media/cookie notices; no producer license or compensation disclosure. 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. Company-hosted transcript of a third-party podcast.. Accessed 2026-09-16. 23. [Nexsure Client Login](https://portal2018.nexsure.com/Login?key=0723CDE468584231BF409821). Nexsure; Login URL linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation as of 16 September 2026; authenticated contents not reviewed. Accessed 2026-09-16. 24. [Ascend Insured Portal For Amelia Risk Insurance Brokers](https://portal.useascend.com/amelia_risk_insurance_brokers). Ascend; Path /amelia_risk_insurance_brokers linked from Amelia Risk navigation; unauthenticated request redirected toward login and did not expose policy contents. Accessed 2026-09-16. 25. [Amelia Risk Pay Now](https://ameliarisk.epaypolicy.com/). ePayPolicy; Footer Pay Now / MAKE A PAYMENT target on ameliarisk.com; unauthenticated GET returned HTTP 500 during this review, so payment-flow details were not inspected. Accessed 2026-09-16. 26. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency or Organization Name search requires Cloudflare Turnstile. No license result for Amelia Risk was retrieved on 16 September 2026. This is an access limitation, not a negative license finding.. 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 reviewed; Amelia Risk’s official site does not publish an NPN to search, and no NPN was independently confirmed here. Accessed 2026-09-16. 28. [Bizfile Online](https://bizfileonline.sos.ca.gov/). California Secretary of State; Business-search API request from this research environment was blocked by the site’s security service on 16 September 2026. No official California entity snapshot was retrieved. This is an access limitation, not a formation finding.. Accessed 2026-09-16. ### [Resilience Official Website](https://cyberresilience.com/) 29. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16. 30. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16. 31. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16. 32. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16. 33. [Brokers](https://cyberresilience.com/brokers). Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16. 34. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16. 35. [Contact Us](https://cyberresilience.com/contact-us). Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16. 36. [Security Investment Prioritization](https://cyberresilience.com/products/security-investment-prioritization). Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16. 37. [Multi-Entity & Portfolio Risk](https://cyberresilience.com/products/multi-entity-and-portfolio-risk). Resilience; Resilience Arc introduction. Accessed 2026-09-16. 38. [Terms and Conditions](https://cyberresilience.com/terms-and-conditions/). Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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-resilience.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)