Amelia Risk vs Risklytics 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.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. ¹⁰Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

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.

Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^13,10Company-reported. Lines page and about page; no specific insurer is published for this line.

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.

Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. ¹³Company-reported. Lines page.

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.

Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. ¹³Company-reported. Lines page; the issued policy and declarations control actual coverage.

Not described in the reviewed sources.

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ¹³Company-reported. Lines page; actual limits are set on the bound policy.

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.

Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ¹³Company-reported. Lines 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.

You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^14,10Company-reported. Pricing page describes the general application and fee process, not a line-specific form.