Amelia Risk vs TechInsurance Business Owner’s Policy

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.

TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ¹⁰Company-reported. Business owner's policy product page.

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.

The reviewed page does not name the issuing insurer for a BOP. ¹⁰Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

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.

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ¹⁰Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

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.

TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ¹⁰Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

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.

TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. ¹⁰Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

Not described in the reviewed sources.

Not described in the reviewed sources.

You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ¹⁰Company-reported. Business owner's policy product page.