---
title: "Amelia Risk vs TechInsurance Cyber Insurance"
description: "TechInsurance publishes a median cyber premium from its own book of business; Amelia Risk's cyber page publishes no cost figures."
canonical: "https://spot.insure/compare/amelia-risk-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-techinsurance/cyber)

# Amelia Risk vs TechInsurance Cyber Insurance

TechInsurance publishes a median cyber premium from its own book of business; Amelia Risk's cyber page publishes no cost figures.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and TechInsurance for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

TechInsurance says its cyber liability policyholders pay a median of $129 a month based on its own customer data, while Amelia Risk's cyber page does not publish premium, limit or retention figures for the coverage it places. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [9](https://www.techinsurance.com/about-us "About TechInsurance") [10](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [13](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### A Published Median Cost vs No Cost Figures

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and limits.

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

Amelia Risk's cyber page does not publish comparable cost, limit or retention figures for the coverage it arranges. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability")

### Named Exclusions vs an Add-On Boundary

TechInsurance names what its cyber liability does not cover: professional negligence claims unrelated to a breach, physical damage to electronic devices, and data loss from hardware damage, pointing buyers to E&O or a BOP for those gaps. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") Amelia Risk instead draws its coverage boundary differently, treating cyber-crime and social engineering as a separate add-on to the base policy rather than listing standing exclusions. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability")

### Different Named Industries

TechInsurance targets small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") Amelia Risk names a different, narrower set: startups, technology companies, CPG brands and consumer-product companies. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [7](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance")

## What to Confirm in Cyber Insurance Quotes

- Ask TechInsurance which carrier from its multi-carrier comparison would actually issue your policy. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Amelia Risk which carrier is underwriting your policy; its page does not name one. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability")
- Confirm whether your business's data-handling profile falls under one of TechInsurance's named exclusions before binding. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Amelia Risk whether social engineering and cyber-crime coverage are included or priced as an add-on. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability")

## Offering Details

| Criteria | Amelia Risk Cyber Liability Insurance Brokerage | TechInsurance Cyber Liability Insurance |
| --- | --- | --- |
| 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. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |
| 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. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Not publicly disclosed; scope: Cyber product page and specialty pages, checked 23 September 2026..) | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Cyber liability product page as read on 2026-09-23..) |
| 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [7](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](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 recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Company-reported; scope: Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations..)<br><br>Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Company-reported; scope: 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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>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. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: What isn't covered by cyber liability insurance section of the product page..) |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Not found in reviewed sources; scope: 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..) | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not found in reviewed sources; scope: Cyber liability product page as read on 2026-09-23..) |
| How to Apply | Not described in the reviewed sources. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. [11](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page application and certificate sections..) |
| Claims Support | The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. [4](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific..) | Not described in the reviewed sources. |

## Full Comparison

- [Amelia Risk vs TechInsurance](https://spot.insure/compare/amelia-risk-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Amelia Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-techinsurance/business-owners-policy)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices)
- [Amelia Risk vs TechInsurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/general-liability)
- [Amelia Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/technology-errors-omissions)
- [Amelia Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/umbrella-excess)
- [Amelia Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Amelia Risk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cyber)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Amelia Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/cyber)
- [Amelia Risk vs Beazley Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/cyber)
- [Amelia Risk vs CFC Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/cyber)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). 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.
2. [Our Specialties](https://ameliarisk.com/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.
3. [About Us](https://ameliarisk.com/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.
4. [Cyber Liability](https://ameliarisk.com/insurance-policies/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.
5. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
6. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
7. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.
8. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Cyber Liability (Network Security & Privacy Liability). Accessed 2026-09-23.

### TechInsurance

9. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
10. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
11. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
12. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. Accessed 2026-09-23.

### Cyber Insurance Guide

13. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. 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-techinsurance/cyber.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)