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

Risklytics lists a $1 million to $3 million typical D&O limit ask for venture-backed firms; Amelia Risk serves startup and technology buyers and says to allow time before a funding round.

Risklytics takes D&O applications online, adds no broker fee and puts the typical venture-backed ask at $1 million to $3 million. Amelia Risk brokers D&O without publishing limits or fees, so its quote is the first number you see. ^1,^2,^7,^9,⁸

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

Online Application With Posted Numbers vs Broker Quote

Risklytics runs D&O through an online application, keeps a licensed producer on the file until the policy is bound, and gives $1 million to $3 million as the typical limit for venture-backed companies. ⁹ ⁷ Amelia Risk brokers D&O without posting limit figures, so you have nothing to benchmark against before a quote. ¹ Choose Risklytics if you are a robotics, autonomy or AI startup that wants to apply online; choose Amelia Risk if you are a startup or consumer brand that wants a broker to shop the placement for you. ⁷ ³

Specialist Insurers and No Broker Fee

Risklytics places D&O with outside insurers that will write robotics, autonomy and AI risk and says it adds no broker fee on top of the premium. ⁸ ⁷ ⁹ Amelia Risk's D&O pages state no fee schedule. ¹

How Early to Start

Risklytics says you should buy at or before your first priced round because term sheets and incoming board members usually require it to close. ⁷ Amelia Risk ties it to the Series A but notes more companies now buy at seed as seed rounds grow, and its co-founder says to budget two to three weeks for underwriting. ¹ ² Start before your round closes either way.

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

Compare your quoted limit to Risklytics' $1–3 million typical ask. ⁷
Check the Risklytics invoice for any broker fee. ⁹
If you work in robotics, autonomy or AI, ask Risklytics which specialist insurer would issue the policy. ⁷
Ask Amelia Risk for its fee and the insurer that would issue your policy. ¹

Amelia Risk vs Risklytics D&O Insurance Compared

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

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	Risklytics Directors & Officers 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.	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. ⁷Company-reported. Lines page.
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.	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. ^9,⁸Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	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. ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	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. ⁸Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.