Amelia Risk vs 
Travelers: How Do They Compare for D&O Insurance?
Travelers insures D&O for private, public, nonprofit, and financial organizations through independent agents; Amelia Risk arranges coverage for startups and technology companies and advises planning around funding.
Travelers writes the D&O policy itself and sells it through independent agents, with a dedicated nonprofit version. Amelia Risk is a startup broker that times D&O to your seed or Series A round and tells you to allow two to three weeks for underwriting. 7,1,2
What Are the Key Differences Between Amelia Risk and Travelers D&O Insurance?
One Insurer Through an Agent vs a Startup Broker
With Travelers you get one company's policy, standalone or alongside its other management-liability coverages, and you buy through a Travelers independent agent. Amelia Risk arranges the policy for you and warns not to wait until a term sheet is about to sign, because a claims-made policy won't cover decisions made before it starts. Choose Travelers if you're a nonprofit, financial institution or established private or public company with a board; choose Amelia Risk if you're a startup, tech, CPG or consumer-products company buying D&O for a raise. 7 2 3
What You Can Learn Before Quoting
Travelers publishes no limits or premiums but shows claim examples from about $85,000 to over $1 million in settlements and defense costs, a sense of what a claim can cost. Amelia Risk also publishes no limits; its co-founder notes the policies she has sold define "directors and officers" broadly enough to include employees and interns. 7 2
What Should You Confirm in Amelia Risk and Travelers D&O Insurance Quotes?
- Ask the Travelers agent which Travelers company will issue the policy; the disclosures name Travelers Casualty and Surety Company of America and affiliates. 7
- If you're a nonprofit, ask Travelers to quote its nonprofit-specific version. 7
- Ask Amelia Risk to name the insurer and give a bind date before your round closes. 1
- Get limits and retentions in writing from both. 7 1
Amelia Risk vs Travelers D&O Insurance Compared
Amelia Risk vs Travelers: D&O Insurance: documented features by provider
| Criteria | Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage | Travelers Directors & Officers (D&O) Liability Insurance |
|---|---|---|
| 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. | Travelers markets D&O coverage to private companies, public companies, financial institutions and nonprofit organizations with boards of directors, and offers a version specifically for nonprofit organizations. 7Company-reported. Product page "Who is D&O liability insurance right for?" section and nonprofit D&O video segment. |
| How to Apply | Amelia's co-founder says D&O underwriting can take as little as a few days to a few weeks once complete information is provided, and recommends budgeting two to three weeks; she also cautions founders not to wait until a funding round or other transaction is imminent, because decisions made before a claims-made D&O policy starts aren't covered by it. 2Company-reported. Illustrative timing comment in a company-hosted podcast interview, not a binding service-level agreement. | D&O coverage is bought through a Travelers independent agent. 7Company-reported. Product page "Find an insurance agent" call to action. |
| 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. | Travelers says D&O insurance protects directors and officers from personal losses if sued by employees, vendors, customers or other parties, covering defense costs, settlements and other costs from wrongful-act allegations such as securities litigation, regulatory actions and breach-of-fiduciary-duty claims. 7Company-reported. Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued policy. |
| 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. | Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 7Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
