GeneralAverage

Amelia Risk vs At-Bay: How Do They Compare for Business Insurance?

Businesses moving physical goods can compare Amelia Risk’s inventory and recall focus with At-Bay’s broker-accessed technology E&O and cyber coverage.

Introduction to the Amelia Risk vs At-Bay Comparison

A connected-device startup can face cargo loss before sale, product injury after delivery and software claims during service: Amelia Risk discusses stock-throughput and recall, while At-Bay’s Tech E&O addresses technology risks with cyber protection. 8 11 12 30 Choose Amelia if physical inventory and product recall are central; choose At-Bay if the main exposure is software liability and cyber.

Buyer Takeaways for Amelia Risk vs At-Bay

Amelia Risk Buyer Takeaways

  • A women-owned San Francisco brokerage serves startups, consumer brands and technology companies. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.
  • A broker gathers your information, shops multiple insurers and reviews the quotes with you. 4,18,2,5,20,22Company-reported. Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.

At-Bay Buyer Takeaways

  • Combine technology E&O and cyber protection in one policy. 30Company-reported. Product highlights, not an issued policy or universal contract coverage.
  • Eligible policyholders get monitoring, training and cyber-advisor access; managed detection and response costs extra. 35Company-reported. Current service descriptions and footnotes; no claims of effectiveness or independent testing.

Amelia Risk vs At-Bay Coverage Lines Compared

CoverageAmelia RiskAt-Bay
Business owner’s policyListed 5,7Amelia Risk arranges business owner’s policies for startups.Not listed
Cargo and transitListed 11,9,6,8Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations.Not listed
Commercial autoListed 6,8Amelia Risk arranges commercial auto insurance for consumer-product businesses.Not listed
CrimeListed 5,7,6,8Amelia Risk arranges employee crime (fidelity) insurance.Not listed
Cyber liabilityListed 16,9,5,7,6Amelia Risk arranges cyber insurance.Listed 31At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
Directors and officersListed 13,9,5,7,6Amelia Risk arranges directors and officers liability.Not listed
Employment practices liabilityListed 14,9,5,7,6Amelia Risk arranges employment practices liability.Not listed
Fiduciary liabilityListed 5,7,6,8Amelia Risk arranges fiduciary liability.Not listed
General liabilityListed 10,9,5,7,6Amelia Risk arranges general liability insurance.Not listed
Hired and non-owned autoListed 10,5,7,6Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses.Not listed
Product liabilityListed 6,8,10Amelia Risk arranges product liability insurance for consumer-product businesses.Not listed
Product recallListed 12,9,6,8Amelia Risk arranges product-recall insurance for consumer-product businesses.Not listed
Professional errors and omissions (E&O)Listed 5Amelia Risk arranges professional errors and omissions insurance for startups.Listed 32At-Bay offers primary miscellaneous professional liability insurance.
Technology errors and omissions (E&O)Listed 17,9,7Amelia Risk arranges technology errors and omissions insurance for technology businesses.Listed 30At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.
Umbrella and excess liabilityListed 9,10,5,8Amelia Risk arranges umbrella and excess liability.Not listed
Workers’ compensationListed 15,9,5,7,6Amelia Risk arranges workers’ compensation insurance.Not listed

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Amelia Risk vs At-Bay Research by Coverage Line

Open what Amelia Risk and At-Bay each document for one coverage line.

Current Reliability Scores for Amelia Risk and At-Bay

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Amelia Risk and At-Bay Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Amelia Risk Review Score

2.0/ 10

Review Score

1 rated source

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.

Read Amelia Risk reviews

At-Bay Review Score

9.5/ 10

Review Score

2 rated sources

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.

Read At-Bay reviews

Key Differences Between Amelia Risk and At-Bay

Physical Goods Need More Than a Software Coverage Label

Amelia Risk’s dedicated stock-throughput and product-recall offerings create separate questions about inventory and withdrawal costs. At-Bay’s combined technology description should be tested against the device’s software and service obligations. Do not assume one form covers a damaged shipment, a physical defect and a failed implementation merely because the business calls itself a technology company. 11 12 30

The Broker and the Specialist May Fill Different Roles

Amelia Risk describes independent brokerage and a consultative placement process. At-Bay provides a broker-facing route to its products. A company could need broader brokerage coordination as well as a specialist policy. Ask Amelia Risk directly whether it can place At-Bay's products, and which other insurers it would propose if not. 2 18 34

Local Relevance Does Not Resolve the Legal Placement

Amelia Risk’s reviewed public documentation does not establish its precise licensed producer entity or California authority. At-Bay publishes a California producer number, but product eligibility remains unresolved. Obtain the legal placement details for each proposed line rather than relying on local positioning or a broad catalogue. 19 26 33

What Should You Confirm in Amelia Risk and At-Bay Quotes?

Supply the manufacturing, fulfillment and software responsibilities separately. Ask for the proposed recall and technology triggers, cross-policy exclusions, issuing insurers, California route and brokerage compensation. Amelia Risk describes claims assistance without establishing a complete public notice procedure; request reporting instructions for each policy. 21 18

Amelia Risk vs At-Bay Services Compared

What each provider documents about the services you may need

CriteriaAmelia RiskAt-Bay
Business role

Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. 1,2,4,20,19Company-reported. Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.

At-Bay offers cyber, technology E&O and miscellaneous professional liability, with coverage described as underwritten by non-admitted insurers. At-Bay Insurance Services LLC is its disclosed property-and-casualty agency and surplus-lines broker. 29,33Company-reported. US brand and disclosed producer; company statements, not regulatory verification.

Customer focus

Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. 1,3,4,5,6,7,8,22Company-reported. Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.

Large technology companies may fit At-Bay’s published Tech E&O appetite, but the quote route matters: its product page lists up to $5 billion revenue and $10 million limits, while its broker platform lists $100 million and $3 million. These are ceilings, not guaranteed offers. 30Company-reported. Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.

A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. 40,30Company-reported. Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.

Access to insurers

Ask for the insurers that would quote your business: Amelia Risk says it works with dozens of insurers and relationships with underwriters and wholesale brokers, but public pages name no insurers or publish no appointment list. 4,2,21Company-reported. Company-reported market access. No underwriting entity is assigned to the Amelia Risk brand.

Do not assume a past carrier announcement identifies today’s insurer: At-Bay’s 2023 announcement said eligible new E&S Cyber and Tech E&O would use At-Bay Specialty Insurance Company, but it does not settle a current California quote or MPL issuer. 39Company-reported. Historical announcement effective August 7, 2023; no buyer-specific policy reviewed.

Ask who will issue your MPL policy: the current product page names no insurer, and a 2023 announcement naming United Specialty Company does not establish the present carrier or California availability. 32,41Not found in reviewed sources. Current issuer not established; preserve source spelling without converting historical brand wording into a verified legal-entity record.

Availability

A San Francisco or East Bay office does not establish that your business can be insured there; the reviewed pages do not establish current producer authority or line-specific California availability. 1,18,15,14,26,28,27Not found in reviewed sources. Office-location marketing and unsuccessful official-registry retrievals on 16 September 2026. Access limitations are not negative license or entity findings. Do not infer California placement authority from a Bay Area office. California Department of Insurance and Secretary of State public lookups could not be completed. Those access limits are not a negative licensing conclusion.

California buyers should still confirm their product’s eligibility: At-Bay lists license 0L73812 for At-Bay Insurance Services LLC, but this company disclosure was not independently checked and does not establish a specific policy is available. 33Company-reported. California producer route; no regulator record retrieved.

Get written California eligibility for your exact business and product before planning around a quote; reviewed product pages do not establish a current California issuer, and MPL has state restrictions. 33,30,31,32Not found in reviewed sources. Reviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.

Sources for Amelia Risk vs At-Bay

Amelia Risk Official Website

  1. Amelia Risk Insurance Brokers. 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. 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.
  3. Our Team. Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16.
  4. Our 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.
  5. Insurance For Startups. Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider: D&O, EPL, fiduciary, professional liability, cyber, BOP (property, general liability, hired and non-owned auto), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  6. Insurance For CPG Companies. Amelia Risk Insurance Brokers; Better-for-you food, beverage and cosmetic audience; Insurance policies for CPG companies to consider: product liability, recall, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), general liability, employee crime/fidelity, workers compensation; FAQ on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16.
  7. Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: D&O, EPL, fiduciary, Tech E&O, cyber, BOP (property, general liability, hired and non-owned auto), general liability, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  8. Consumer Product Insurance. Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider: product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
  9. Insurance Policies. Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16.
  10. General Liability. Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto (sometimes standalone); umbrella or excess over scheduled underlying liability limits. Accessed 2026-09-16.
  11. Stock Throughput. Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16.
  12. Product Recall. Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; when a company should buy it; As your broker, we help walk through these factors. Accessed 2026-09-16.
  13. Directors And Officers Liability. Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16.
  14. Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered; timing note on employers in California and New York. Accessed 2026-09-16.
  15. Workers Compensation. Amelia Risk Insurance Brokers; Description of workers compensation as statutory coverage required by all 50 states, and employer’s liability; when an employer with payroll should buy it. Accessed 2026-09-16.
  16. Cyber Liability. Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16.
  17. Technology Errors And Omissions. Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16.
  18. Contact Us. Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16.
  19. Privacy Policy. Amelia Risk Insurance Brokers; Opening identification of Amelia Risk Insurance Brokers and ameliarisk.com; comment, media and cookie notices. Accessed 2026-09-16.
  20. Why We Created Amelia Risk. Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16.
  21. The Importance Of An Insurance Broker. Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16.
  22. Podcast Episode – Beyond The Certificate With Startup CPG. Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Accessed 2026-09-16.
  23. Nexsure Client Login. Nexsure; Login page linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation. Accessed 2026-09-16.
  24. Ascend Insured Portal For Amelia Risk Insurance Brokers. Ascend; Login page at /amelia_risk_insurance_brokers linked from Amelia Risk navigation. Accessed 2026-09-16.
  25. Amelia Risk Pay Now. ePayPolicy; Footer Pay Now / MAKE A PAYMENT link. Accessed 2026-09-16.
  26. Business Name Search. California Department of Insurance; Agency or Organization Name search. Accessed 2026-09-16.
  27. Look Up A National Producer Number. National Insurance Producer Registry; Public NPN lookup definition page. Accessed 2026-09-16.
  28. Bizfile Online. California Secretary of State; Business search. Accessed 2026-09-16.

At-Bay Official Website

  1. Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
  2. Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
  3. Cyber Insurance. At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
  4. MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
  5. Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
  6. Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
  7. At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
  8. Claims Handling. At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
  9. Response & Recovery. At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
  10. Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
  11. At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
  12. At-Bay Surplus Tech E&O Appetite Guide. At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
  13. At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

Updated . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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