Amelia Risk vs 
TechInsurance: How Do They Compare for Cyber Insurance?
TechInsurance reports a median of $129 a month and lists exclusions; Amelia Risk is a broker for startups, tech and consumer brands, with cyber-crime cover as an add-on.
TechInsurance arranges standalone cyber, often bundled with technology E&O, and says policyholders pay a median of $129 per month based on its customer data. Amelia Risk places network-security coverage for startups, CPG and consumer-product companies and does not publish a comparable premium figure. 6,2,3,4,5
What Are the Key Differences Between Amelia Risk and TechInsurance Cyber Insurance?
A Published Median Premium Versus Specialty Lists Without Pricing
TechInsurance arranges cyber as a standalone policy and describes it as often bundled with technology errors and omissions, reporting that its cyber policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data. Amelia Risk lists cyber for startups, technology, CPG and consumer-product companies and does not publish premiums. Choose TechInsurance if you want that online application and median-price reference, especially if you also need tech E&O; choose Amelia Risk if you are a CPG or consumer-product company that wants that specialty brokerage. 6 4 2
Named Exclusions Versus a Social-Engineering Add-On
TechInsurance splits first-party breach response, extortion, interruption and data recovery from third-party legal fees, regulatory fines and reputation management, and says the policy does not cover professional negligence unrelated to a breach or physical damage to devices. You request quotes online through a short application, and it says a certificate is typically available the same day. Amelia Risk treats social engineering as a traditional add-on and does not describe those exclusions or a same-day certificate. 6 1
What Should You Confirm in Amelia Risk and TechInsurance Cyber Insurance Quotes?
- Treat TechInsurance's $129 median as customer-data context, not your quote, and ask which carriers respond. 6
- Ask Amelia Risk whether social engineering is extra and which insurer it will place. 1
- If you need tech E&O, ask TechInsurance whether the bundle applies; Amelia's reviewed cyber page does not describe that package. 6 1
Amelia Risk vs TechInsurance Cyber Insurance Compared
Amelia Risk vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Amelia Risk Cyber Liability Insurance Brokerage | TechInsurance Cyber Liability Insurance |
|---|---|---|
| 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. 2,3,4,5Company-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. 1Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 6Company-reported. Who needs cyber liability insurance section of the product page. |
| 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. 1Company-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. 1Company-reported. Cyber product page description as of 23 September 2026. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 6Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 6Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| 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. 1Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 6Company-reported. Cyber liability product page. |
