GeneralAverage

Amelia Risk vs Coalition: How Do They Compare for Business Insurance?

Companies with inventory, physical goods or recall exposure can ask Amelia Risk about those lines; Coalition focuses on cyber, technology E&O and security services.

An Overview of Amelia Risk and Coalition

A connected-product company needs to separate stock loss and product recall from a breach or software claim: Amelia Risk discusses stock-throughput and recall, while Coalition distributes cyber and technology E&O with security services. 6 11 29 36 Choose Amelia if inventory or product-recall coverage is the gap; choose Coalition if cyber and technology E&O with response services are the priority.

What Stands Out About Amelia Risk and Coalition?

Amelia Risk at a Glance

  • 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.

Coalition at a Glance

  • Technology companies can combine cyber and Tech E&O in one program. 29Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
  • Policyholders get cyber monitoring, alerts and remediation guidance through Control. 36Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Amelia Risk vs Coalition Coverage Lines Compared

CoverageAmelia RiskCoalition
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.Listed 33Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.
Cyber liabilityListed 16,9,5,7,6Amelia Risk arranges cyber insurance.Listed 35Coalition offers cyber insurance.
Directors and officersListed 13,9,5,7,6Amelia Risk arranges directors and officers liability.Listed 33Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
Employment practices liabilityListed 14,9,5,7,6Amelia Risk arranges employment practices liability.Listed 33Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Fiduciary liabilityListed 5,7,6,8Amelia Risk arranges fiduciary liability.Listed 33Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.
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
Media liabilityNot listedListed 46Coalition identifies media liability within its Active Cyber policy.
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 34Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Technology errors and omissions (E&O)Listed 17,9,7Amelia Risk arranges technology errors and omissions insurance for technology businesses.Listed 29Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
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 and Coalition Coverage, Line by Line

Open what Amelia Risk and Coalition each document for one coverage line.

Amelia Risk and Coalition Reliability Scores

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

Coalition Reliability Scores

Hybrid provider

Broker

6.1/ 10

Carrier & MGA

6.3/ 10

Provider assessment

Amelia Risk and Coalition 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

Coalition Review Score

10.0/ 10

Review Score

1 rated source

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.

Read Coalition reviews

Key Differences Between Amelia Risk and Coalition

Follow the Product from Manufacture to Customer Use

Amelia’s stock-throughput material addresses goods in transit and at locations, while its recall page offers brokerage help evaluating recall protection. Coalition’s Tech E&O description concerns third-party financial loss from technology errors. Those are distinct starting points: ask how a defective device, spoiled shipment and failed software update would be allocated across the proposed policies. Do not infer physical-product protection from an E&O title. 11 12 29

Local Advice Still Needs a Verified Placement Route

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.

Coalition documents an all-state cyber route and places Tech E&O under its surplus offering, but leaves the actual applicant and insurer to underwriting. Amelia’s Bay Area presence is relevant to its stated positioning, not proof of California authority or a particular product’s eligibility. Request the exact producer and insurer names before relying on either proposal. 39 30

Brokerage Advocacy Is Not the Same as Technical Response

Amelia says it advocates for clients during claims but does not publish detailed intake or handler information in the reviewed sources. Coalition describes cyber triage, recovery assistance and Control monitoring. A connected-product company needs to know both who coordinates a recall or liability claim and who handles a security incident; the roles should not be inferred from general client-service language. 4 21 37 36

What Should You Confirm in Amelia Risk and Coalition Quotes?

Ask Amelia to map manufacturers, inventory locations and recall obligations to the proposed program, including insurer and valuation terms. Ask the technology broker to distinguish software financial loss from bodily injury or property damage, and obtain formal claims contacts for each policy. Amelia’s public pages leave compensation undisclosed, so request an engagement and itemized charges rather than equating a free consultation with free placement. 6 11 20 40

Amelia Risk vs Coalition Services Compared

What each provider documents about the services you may need

CriteriaAmelia RiskCoalition
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.

Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 30,35Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. 30Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. 30Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

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.

Private and nonprofit organizations may fit Coalition’s stated Executive Risks appetite up to $500 million in assets, 1,000 employees and $500 million in plan assets across the US and DC; limitations apply. 33Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

California buyers can ask about admitted or surplus cyber; Coalition lists Tech E&O and MPL under surplus coverage, but the exact Tech E&O form and applicant approval still need confirmation. 38,39Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

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.

Ask who will issue your policy because admitted cyber uses Coalition Insurance Company while surplus placements use unaffiliated insurers; reviewed sources do not identify one insurer for every California Tech E&O quote. 31,30Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Claims assistance

Amelia Risk says it will advocate for clients during claims, but does not describe an intake channel, dedicated claims staff, settlement authority or service metrics; ask who you will contact and what support includes. 4,21Company-reported. Company-reported advocacy. Not an assessment of claims outcomes or insurer claims practices.

Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. 37,29Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Sources for Amelia Risk vs Coalition

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.

Coalition Official Website

  1. Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
  2. Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
  3. U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
  4. U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
  5. Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
  6. Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
  7. Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
  8. Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
  9. Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
  10. Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
  11. Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
  12. How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
  13. How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
  14. Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
  15. How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
  16. How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
  17. Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
  18. Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. 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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