Amelia Risk vs Simply Business: How Do They Compare for Business Owner’s Policy?

Amelia Risk includes hired and non-owned auto liability in its described BOP alongside property and general liability; Simply Business describes a typical property-and-liability package, with exact terms set by the issued form. Amelia Risk names startup and technology clients as its BOP segment, while Simply Business takes business details through a marketplace and shows quotes subject to state, insurer, and business availability.. ^4,^5,¹⁰

What Is Amelia Risk?

Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. ^1,^2,³

Read the Amelia Risk profile

Read the Amelia Risk Business Owner’s Policy page

Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. ^8,⁹

Read the Simply Business profile

Read the Simply Business Business Owner’s Policy page

What Is a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. ^11,¹²

Read the full coverage guide

What Are the Key Differences Between Amelia Risk and Simply Business Business Owner’s Policy?

Package and Scope

Amelia Risk includes hired and non-owned auto liability in its described BOP alongside property and general liability; Simply Business describes a typical property-and-liability package, with exact terms set by the issued form. Ask whether auto is part of the Amelia placement and which Simply Business form applies. ⁴ ¹⁰

Buyer Fit and Access

Amelia Risk names startup and technology clients as its BOP segment, while Simply Business takes business details through a marketplace and shows quotes subject to state, insurer, and business availability. ⁴ ¹⁰

What Should You Confirm in Amelia Risk and Simply Business Business Owner’s Policy Quotes?

Ask Amelia Risk to identify the issuing insurer and state every included coverage, sublimit, and exclusion; its reviewed BOP page does not publish standard policy limits. ⁴
Ask Simply Business which insurer and issued form support the quoted package, including business-interruption terms and any add-ons available for your state and business. ¹⁰

Amelia Risk and Simply Business Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Amelia Risk Review Score

2.0/ 10

Review Score

1 rated source

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.^[7]

Read Amelia Risk reviews

Simply Business Review Score

5.7/ 10

Review Score

4 rated sources

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.^[6]^[10]^[7]

Read Simply Business reviews

Amelia Risk vs Simply Business Business Owner’s Policy Compared

Amelia Risk vs Simply Business: Business Owner’s Policy: documented features by provider

Criteria	Amelia Risk Businessowners Policy (BOP) Brokerage	Business owner’s policy (BOP) through Simply Business
Role in This Line	Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. ^4,⁵Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.	Confirm in your quote.
Issuing Insurer	The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. ^4,⁵Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.	Confirm in your quote.
Who It’s For	Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. ^4,^5,^6,⁷Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.	Confirm in your quote.
Coverage Features	Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. ^4,⁵Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.	Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. ¹⁰Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. ¹⁰Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.
Limits and Retentions	Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. ^4,⁵Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23.	Confirm in your quote.
Risk Services	The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. ^4,^5,²Not found in reviewed sources. Startup, technology and specialties overview pages as read on 2026-09-23.	Confirm in your quote.
How to Apply	Confirm in your quote.	The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. ^10,⁹Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.

Related Pages for Amelia Risk vs Simply Business

Business Owner’s Policy Pages for Amelia Risk and Simply Business

Other Coverage Lines Compared for Amelia Risk vs Simply Business

Other Business Owner’s Policy Provider Comparisons

Sources for Amelia Risk vs Simply Business Business Owner’s Policy

Sources About Amelia Risk

Amelia Risk Insurance Brokers. 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. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
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.
Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.

Sources About Simply Business

Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
Business Owner’s Policy Insurance. Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.

Sources for the Business Owner’s Policy Guide

Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.