How Reliable Is Amelia Risk?
Amelia Risk reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
5.1/ 10This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 100.0%normalized | 2.0 / 4 | [1][4][5][6][7][2][3] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Broker. Scope: Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup, technology, consumer-product and CPG brokerage activity; no insurer or underwriting entity is included.
Legal Identity
Licensing
The reviewed official pages do not publish an NPN or state producer-license number. The California Department of Insurance agency-name lookup route did not independently establish current authority; the public NPN lookup page was used as an identifier reference, not as evidence that Amelia holds authority.[5][6]
Wisconsin OCI's Agent FAQ states that a firm's authority depends on its designated responsible licensed producer and active lines. Amelia's responsible producer and Wisconsin authority were not independently established in the reviewed sources.[7]
Financial Strength
Risk Bearing
Amelia says it works with underwriters, wholesale brokers and carrier partners and presents itself as a broker. The reviewed pages do not identify which insurer issues a particular policy or disclose capacity, reinsurance or exposure shares.[2][3]
Amelia Risk produced no appointment record in any register Spot could reach. The Sircon Firm Consumer Inquiry covers nine states — Texas, Pennsylvania, Nevada, Georgia, Colorado, Indiana, Minnesota, Utah and Wyoming — and an agency search in each, under “Amelia” against a San Francisco business address, returned no record. No carrier can therefore be named for an Amelia Risk placement from a regulator source, and the firm names none itself.[8]
The firm’s pages describe the kind of counterparty rather than any of them: its about page says it treats its underwriters, wholesale brokers and strategic partners with respect, and its specialties page says a narrow vertical focus produces stronger relationships with its underwriters, brokers and carrier partners and therefore additional leverage. Carrier-network strength is unevidenced for this scope — a nine-state search that found nothing plus no company disclosure, rather than an adverse finding about the markets the firm actually uses.[2][3][8]
Claims Service
Amelia's specialties page describes claims advocacy as part of its process. This supports a documented broker-service function, not a conclusion that Amelia adjudicates or pays claims.[3]
Regulatory Record
Evidence gaps
- Exact legal entity and any assumed-name registration behind Amelia Risk Insurance Brokers.
- NPN, responsible licensed producer and current state license records, including California and Wisconsin.
- Product-specific issuing insurers, delegated authority, capacity and reinsurance terms.
- Entity-specific financial continuity evidence and a defined five-year conduct search.
- No agency record for Amelia Risk was returned in any of the nine states the Sircon Firm Consumer Inquiry covers, so the states where it holds licences and appointments were not identified; California, where the firm is based, is not covered by that lookup.
- No named carrier, wholesale market, program or binding authority is disclosed for any Amelia Risk placement from either company or regulator sources.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 CaliforniaCalifornia Department of Insurance | Source inaccessible[5] | Reviewed California Department of Insurance business-name lookup route for the operating name; current authority was not independently established. |
 WisconsinWisconsin Office of the Commissioner of Insurance | Not researched[7] | Reviewed Wisconsin OCI search instructions but did not establish a current Amelia entity result. |
 United States | Not researched[1][4] | No complete state-by-state regulator search was completed; only the public disclosures and lookup routes reviewed are recorded. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
No license records are listed for this assessment. See the evidence gaps for what remains unconfirmed.
Sources
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Organization name; specialty tiles; footer locations and client links. Accessed 2026-09-22.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; references to underwriters, wholesale brokers and strategic partners. Accessed 2026-09-22.
- Our Specialties. Amelia Risk Insurance Brokers; Industry focus, four-step process and claims advocacy description. Accessed 2026-09-22.
- Privacy Policy. Amelia Risk Insurance Brokers; Opening identification of Amelia Risk Insurance Brokers. Accessed 2026-09-21.
- Business Name Search. California Department of Insurance; California regulator lookup route for the named entity or identifier; current authority was not independently established as of 2026-09-21. Accessed 2026-09-21.
- Look Up A National Producer Number. National Insurance Producer Registry; Public NPN lookup and identifier limitations. Accessed 2026-09-21.
- OCI Licensing Frequently Asked Questions. Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path. Accessed 2026-09-21.
- Firm Consumer Inquiry - no Amelia Risk agency record in the nine covered states. Sircon insurance licensing lookup; Firm Consumer Inquiry, Agency entity type, searched 22 September 2026 in every state the lookup covers (Texas, Pennsylvania, Nevada, Georgia, Colorado, Indiana, Minnesota, Utah and Wyoming) for “Amelia” against a San Francisco business address. No agency record was returned in any of the nine states. The lookup covers only these nine states and is not a national register. Accessed 2026-09-22.
