---
title: "Amelia Risk vs StartupInsurance.ai: D&O Insurance"
description: "StartupInsurance.ai starts D&O on an online application and checks your policy for AI exclusions within 48 hours; Amelia Risk brokers D&O by hand and says to budget two to three weeks for underwriting."
canonical: "https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "amelia-risk-vs-startupinsurance"
provider-a: "amelia-risk"
provider-b: "startupinsurance"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and StartupInsurance.ai for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Amelia Risk versus StartupInsurance.ai. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs StartupInsurance.ai for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Amelia Risk or StartupInsurance.ai?
- What does Amelia Risk or StartupInsurance.ai publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Amelia Risk and StartupInsurance.ai.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Amelia Risk vs StartupInsurance.ai](https://spot.insure/compare/amelia-risk-vs-startupinsurance) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile

# Amelia Risk vs StartupInsurance.ai: How Do They Compare for D&O Insurance?

StartupInsurance.ai focuses D&O on venture-backed startups and checks forms for AI exclusions; Amelia Risk arranges policies for startups and technology firms and advises on coverage timing around financing.

Both sell D&O to funded startups, but StartupInsurance.ai starts online and screens forms for AI exclusions, while Amelia Risk works your file by hand on a two-to-three-week timeline.

## Amelia Risk vs StartupInsurance.ai D&O Insurance Summary

StartupInsurance.ai starts D&O on an online application and checks your policy for AI exclusions within 48 hours; Amelia Risk brokers D&O by hand and says to budget two to three weeks for underwriting. [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")

## What Are the Key Differences Between Amelia Risk and StartupInsurance.ai D&O Insurance?

### AI Exclusion Screening vs Consumer-Brand Coverage

StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O forms, usually slipped in at renewal, and its free check looks for it. Amelia Risk's D&O pages describe no such review, but it also places D&O for CPG and consumer-product brands, which StartupInsurance.ai doesn't target. Choose StartupInsurance.ai if you build AI products and want your D&O form screened for that exclusion; choose Amelia Risk if you're a consumer or CPG brand raising outside money. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance")

### When to Start

Both tie D&O to funding. Amelia Risk says Series A term sheets usually require it and seed-stage purchases are becoming more common, and warns that decisions made before the policy starts aren't covered, so don't wait until a round is about to close. StartupInsurance.ai frames the trigger as the term sheet itself. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Should You Confirm in Amelia Risk and StartupInsurance.ai D&O Insurance Quotes?

- Ask StartupInsurance.ai whether your proposed D&O form carries a blanket AI exclusion. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask StartupInsurance.ai which insurer will write your D&O; its carrier panel covers every line. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask Amelia Risk for a bind date that fits your closing, against its two-to-three-week budget. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")
- Ask Amelia Risk whether it will check your form for AI exclusions too. [4](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies")

## Amelia Risk vs StartupInsurance.ai D&O Insurance Compared

| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | StartupInsurance.ai Directors & Officers (D&O) 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [4](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement..)<br><br>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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode..) | StartupInsurance.ai frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount)..) |
| 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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement..) | Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) |
| 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations..)<br><br>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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement..) |
| 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy..) | StartupInsurance.ai lists directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms..) |

## About Amelia Risk and StartupInsurance.ai and D&O Insurance

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-risk/reviews)
- [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Amelia Risk vs StartupInsurance.ai D&O Insurance

- [Amelia Risk vs StartupInsurance.ai](https://spot.insure/compare/amelia-risk-vs-startupinsurance): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Amelia Risk D&O Insurance](https://spot.insure/insurance-providers/amelia-risk/directors-officers)
- [StartupInsurance.ai D&O Insurance](https://spot.insure/insurance-providers/startupinsurance/directors-officers)

## Sources for Amelia Risk vs StartupInsurance.ai D&O Insurance

### Sources About Amelia Risk

1. [Directors and Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk Insurance Brokers; What's covered by a Directors & Officers Liability (D&O) Policy?; When should a company buy a Directors & Officers Liability (D&O) Policy?. Accessed 2026-09-23.
2. [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk Insurance Brokers; Danielle Holyoake (CRO and co-founder) on D&O: why it comes up during fundraising, who it protects, when claims typically arise, underwriting timing of days to a few weeks with complete information, budgeting two to three weeks, and the caution against waiting until a transaction is imminent. Accessed 2026-09-23.
3. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
4. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
5. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
6. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.

### Sources About StartupInsurance.ai

7. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
8. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23.
9. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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-startupinsurance/directors-officers.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)