Amelia Risk vs TechInsurance: How Do They Compare for D&O Insurance?

TechInsurance reports a $133 monthly median D&O premium and describes standalone or add-on coverage; Amelia Risk focuses on startup and technology placements and advises founders to plan before financing.

TechInsurance can add D&O to your general liability or business owner's policy and reports a $133 median monthly premium. Amelia Risk brokers D&O for startups, technology and consumer-product companies, timed to outside funding, without publishing a price. ^1,^2,⁷

What Are the Key Differences Between Amelia Risk and TechInsurance D&O Insurance?

Startup Broker vs D&O Added to Your Existing Policy

Amelia Risk structures D&O around individuals, the board and the company, and focuses on startups, technology, CPG and consumer-product companies raising outside money. ¹ ³ TechInsurance sells D&O as its own policy or as an endorsement to a general liability or business owner's policy, aimed at any company with an active board, including employers with stockholders, venture-backed startups and nonprofits. ⁷ Choose Amelia Risk if you are a venture-backed startup buying D&O for a funding round; choose TechInsurance if you are a nonprofit or small company that wants D&O on the policy you already have.

What the Policy Covers

TechInsurance's D&O is claims-made, so it pays only if the policy is active when the claim is made; keep it continuous. It lists employment-practices suits among covered claims and excludes criminal acts such as fraud or embezzlement. ⁷ Amelia Risk says D&O claims typically allege mismanagement and most often come from shareholders; its reviewed pages don't state the policy trigger or break out employment claims. ¹

A Price Benchmark vs None

TechInsurance says its policyholders pay a median of $133 per month, driven by limits, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. That is its book average, not your quote. ⁷ Amelia Risk publishes no premium figure. ¹

What Should You Confirm in Amelia Risk and TechInsurance D&O Insurance Quotes?

Ask TechInsurance whether your D&O would be standalone or an endorsement to GL or a BOP. ⁷
Ask both for the retroactive date and whether the Amelia Risk placement is claims-made. ⁷ ¹
Ask Amelia Risk to name the issuing carrier. ¹
Ask both whether employment-practices claims are covered or need EPLI. ⁷

Amelia Risk vs TechInsurance D&O Insurance Compared

Amelia Risk vs TechInsurance: D&O Insurance: documented features by provider

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	TechInsurance Directors and Officers Insurance (D&O)
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,^4,^5,⁶Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. 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. ^1,²Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.	TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ⁷Company-reported. D&O product page, Who needs D&O insurance coverage? section.
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. ¹Company-reported. D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations. 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. ²Company-reported. Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places.	TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ⁷Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ⁷Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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. ¹Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.	TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ⁷Company-reported. D&O product page.

Criteria

Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage

TechInsurance Directors and Officers Insurance (D&O)

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,^4,^5,⁶Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

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. ^1,²Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.

TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ⁷Company-reported. D&O product page, Who needs D&O insurance coverage? section.

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. ¹Company-reported. D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations.

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. ²Company-reported. Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places.

TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ⁷Company-reported. D&O product page; general policy description, not a specific policy form.

TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ⁷Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

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. ¹Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.

TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ⁷Company-reported. D&O product page.