What Are the Key Differences Between Amelia Risk and Embroker Business Owner’s Policy?
Self-Serve Platform With a Size Cap Versus a Startup Broker
Embroker’s BOP is quoted on its own platform and requires fewer than 100 employees, under $10 million in annual revenue and a physical location, which can be a home office. If you pass that screen you can price it yourself. Amelia Risk brokers the BOP for startup and technology clients and publishes no headcount or revenue cap, so a company past Embroker’s limits can still ask. Choose Embroker if you are under its caps and want to quote online; choose Amelia Risk if you are a startup that has outgrown them or wants a broker. [6] [3]
Hired Auto Included Versus Named Exclusions
Amelia Risk’s BOP combines property, general liability and hired and non-owned auto, which covers staff driving their own or rented cars for work. Embroker’s form covers property damage or theft, third-party injury and damage, and business interruption, but excludes cyberattacks, professional errors, employment claims and criminal acts. You can add professional liability, EPL and property endorsements such as spoiled merchandise or mechanical breakdown, or bundle separate cyber and workers’ comp. [4] [6]
What Should You Confirm in Amelia Risk and Embroker Business Owner’s Policy Quotes?
- Ask Embroker whether hired and non-owned auto needs a separate commercial auto policy. [6]
- Ask Amelia Risk whether its BOP adds cyber, professional or employment coverage; its listings do not say. [3]
- Ask both which insurer issues the policy; neither page names one. [4] [6]
- Compare property and interruption deductibles on the actual quotes; neither publishes them. [3] [6]