---
title: "Amelia Risk vs TechInsurance: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "amelia-risk-vs-techinsurance"
provider-a: "amelia-risk"
provider-b: "techinsurance"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and TechInsurance 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 TechInsurance. 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 TechInsurance for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Amelia Risk or TechInsurance?
- What does Amelia Risk or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Amelia Risk and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/amelia-risk-vs-techinsurance) — 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
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 gives you a price benchmark and can add D&O to your existing small-business policy; Amelia Risk builds brokered D&O around a startup's funding round with no published price.

## Amelia Risk vs TechInsurance D&O Insurance Summary

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](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.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## 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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [3](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") 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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")

### 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Amelia Risk publishes no premium figure. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")

## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Ask both for the retroactive date and whether the Amelia Risk placement is claims-made. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")
- Ask Amelia Risk to name the issuing carrier. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")
- Ask both whether employment-practices claims are covered or need EPLI. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Amelia Risk vs TechInsurance D&O Insurance Compared

| 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](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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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). [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |

## About Amelia Risk and TechInsurance 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)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Amelia Risk vs TechInsurance D&O Insurance

- [Amelia Risk vs TechInsurance](https://spot.insure/compare/amelia-risk-vs-techinsurance): 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)
- [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers)

## Sources for Amelia Risk vs TechInsurance 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 TechInsurance

7. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). 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.

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