Amelia Risk vs Chubb: Business Owner’s Policy

Chubb underwrites its BOP directly for small businesses with up to $30 million in revenue, with 24/7 claims reporting; Amelia Risk arranges a BOP combining property, liability and hired and non-owned auto only for startup and technology clients.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Provider coverage details

Amelia Risk

  • role: Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.company-reportedSource ↗Source ↗
  • coverage: Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.company-reportedSource ↗Source ↗
  • eligibility: Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.company-reportedSource ↗Source ↗Source ↗Source ↗
  • insurer: The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.not-disclosedSource ↗Source ↗
  • limits: Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. Startup and technology specialty pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • services: The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. Startup, technology and specialties overview pages as read on 2026-09-23.not-foundSource ↗Source ↗Source ↗

Chubb

  • role: Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. Chubb BOP product page; describes Chubb's own packaged small-business offering.company-reportedSource ↗
  • eligibility: Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.company-reportedSource ↗
  • coverage: Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.company-reportedSource ↗
  • limits: The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. Chubb BOP product page as read on 2026-09-23.not-foundSource ↗
  • services: Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. Chubb BOP product page; each added line is underwritten and priced separately.company-reportedSource ↗
  • application: You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.company-reportedSource ↗
  • claims: Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result.company-reportedSource ↗Source ↗

What Are the Key Differences Between Amelia Risk and Chubb Business Owner’s Policy?

Who Each BOP Is Built For

Chubb lists technology, healthcare, retail, manufacturing and financial services among its 500-plus classes. Amelia Risk only offers the BOP on its startup and technology pages; its CPG and consumer-product lists place general liability and auto separately instead. Choose Amelia Risk if you're a tech startup whose staff drive their own or rented cars for work; choose Chubb if you're outside tech or a consumer-product company, up to $30 million in revenue. [3] [4] [2] [1] [6]

Hired and Non-Owned Auto in the Base Package

Amelia Risk's BOP combines property, general liability, and hired and non-owned auto liability in one policy. That covers liability when an employee crashes a personal or rented car on company business. Chubb's BOP page describes property and liability only and doesn't mention hired and non-owned auto, so you may need to add it or buy it elsewhere. [3] [6]

What Should You Confirm in Amelia Risk and Chubb Business Owner’s Policy Quotes?

  • Ask whether hired and non-owned auto is scheduled on each quote. [3] [6]
  • Ask Amelia Risk which insurer issues its BOP, so you can compare it directly with a Chubb policy. [3] [6]
  • If you sell consumer products, ask Amelia Risk how it would place property, general liability and auto without a BOP. [2] [1]
  • Ask Chubb about its Total Account Solution if you also need umbrella, workers’ compensation or commercial auto. [6]

Chubb's BOP is open to far more businesses: over 500 classes with up to $30 million in revenue. Amelia Risk's version is narrower, aimed at startups and tech companies, but it packages hired and non-owned auto with property and liability.

Sources and records

  1. 01
    Consumer Product Insurance

    Amelia Risk Insurance Brokers · Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23

  2. 02
    Insurance For CPG Companies

    Amelia Risk Insurance Brokers · Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23

  3. 03
    Insurance For Startups

    Amelia Risk Insurance Brokers · Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability · accessed 2026-09-23

  4. 04
    Insurance For Technology Companies

    Amelia Risk Insurance Brokers · Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed · accessed 2026-09-23

  5. 05
    Our Specialties

    Amelia Risk Insurance Brokers · Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides · accessed 2026-09-23

  6. 06
    Business Owner's Policy (BOP) Insurance

    Chubb · Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM · accessed 2026-09-23

  7. 07
    Claims

    Chubb · 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey · accessed 2026-09-23

  8. 08
    Insurance for Technology Companies

    Chubb · Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses · accessed 2026-09-23

  9. 09
    Report a Claim

    Chubb · Email first-notice contacts, including Small Commercial [email protected]; phone, online and mail reporting options · accessed 2026-09-23

  10. 10
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  11. 11
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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