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
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. 9,10
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 12,13
What Are the Key Differences Between Amelia Risk and Simply Business Cyber Insurance?
Coverage Scope and Eligibility
Amelia Risk frames its cyber placement for startups, technology, consumer-product and CPG companies, combining network and privacy liability with the insured’s own losses and claims against it. Simply Business describes cyber as an optional addition for select businesses buying another business policy, so eligibility in that channel depends on the underlying account as well as cyber appetite. 4 11
Carrier and Endorsement Detail
Amelia says cyber-crime and social-engineering protection is a traditional add-on rather than default base cover. Simply Business explains cyber-event and privacy-regulation risks that may be covered, but its public summary does not specify social-engineering treatment. Ask both quote providers whether fraudulent instructions and transfer losses are included or endorsed, and obtain the applicable sublimits. 4 11
Quote Terms to Confirm
Amelia’s reviewed materials do not identify the carrier for a cyber placement; Simply Business says the insurer and availability depend on state, business details and panel approval. Before comparing premiums, ask each to name the issuing insurer and provide the full form, limits, retention and exclusions. 4 10
What Should You Confirm in Amelia Risk and Simply Business Cyber Insurance Quotes?
- Ask Amelia Risk to identify the carrier and whether cyber-crime or social-engineering protection is endorsed; for Simply Business, confirm add-on eligibility and the insurer before comparing the quoted grant. 4 10
- Request policy language separating first-party loss from third-party claims, along with response services and any applicable fraud sublimits; neither reviewed summary supplies quote-specific figures. 4 11
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
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 reviewsSimply Business Review Score
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 reviewsAmelia Risk vs Simply Business Cyber Insurance Compared
Amelia Risk vs Simply Business: Cyber Insurance: documented features by provider
| Criteria | Amelia Risk Cyber Liability Insurance Brokerage | Cyber liability coverage as an add-on through Simply Business |
|---|---|---|
| Role in This Line | Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. 4Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy. | Confirm in your quote. |
| Issuing Insurer | The reviewed pages do not name an insurer for cyber placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to cyber liability specifically. 4Not publicly disclosed. Cyber product page and specialty pages, checked 23 September 2026. | Confirm in your quote. |
| Who It’s For | Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. 5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. 4Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold. | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. 11Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. 4Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations. Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. 4Company-reported. Cyber product page description as of 23 September 2026. | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. 11Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Risk Services | The reviewed cyber page does not describe security-monitoring, incident-response, or other risk-control services for cyber policyholders beyond the coverage description itself. 4Not found in reviewed sources. Cyber product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. 11,10Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Claims Support | The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. 4Not found in reviewed sources. Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific. | Confirm in your quote. |
Related Pages for Amelia Risk vs Simply Business Cyber Insurance
Cyber Insurance Pages for Amelia Risk and Simply Business
Other Coverage Lines Compared for Amelia Risk vs Simply Business
Other Cyber Insurance Provider Comparisons
Sources for Amelia Risk vs Simply Business Cyber Insurance
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; 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.
- 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.
- Cyber Liability. Amelia Risk Insurance Brokers; What's covered by a Cyber Insurance Policy?; network security & privacy liability; first party and third party coverage; cyber-crime / social engineering as a traditional add-on; When should a company buy a Cyber Insurance Policy? Accessed 2026-09-23.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Cyber Liability (Network Security & Privacy Liability). 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.
- Cyber Insurance. Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
