# #102 Beyond the Certificate: How to Navigate Insurance Related to Fundraising and Inventory with Amelia Risk

- Show: [The Startup CPG Podcast](https://hardwarepodcasts.com/podcast/the-startup-cpg-podcast)
- Published: 2023-08-08
- Length: 52m
- Episode: 79
- Page: https://hardwarepodcasts.com/podcast/the-startup-cpg-podcast/2023-08-08-102-beyond-the-certificate-how-to-navigate-insurance-related-to-fundraising-and
- Listen: https://share.transistor.fm/s/517bd89a

## Summary

Danielle Holyoake, CRO and co-founder of Amelia Risk, explains why CPG startups need Directors & Officers (D&O) insurance during fundraising to protect personal assets from shareholder claims, and Stock Throughput insurance to cover inventory gaps across the supply chain. She details how Stock Throughput policies handle transit, 3PL storage, and spoilage risks, emphasizing the importance of valuation at selling price and documenting claims with photos. Holyoake advises founders to vet brokers for CPG expertise before shopping for policies to avoid fragmented coverage and ensure underwriters understand their specific product risks.

## Outline

1. Introduction: Danielle Holyoake and Amelia Risk
2. Directors & Officers (D&O) Insurance for Fundraising
3. Stock Throughput Insurance: Coverage and Valuation
4. Inventory Claims, Spoilage, and Documentation
5. Choosing the Right Insurance Broker

## Topics

- [Fundraising & investors](https://hardwarepodcasts.com/topic/fundraising)
- [Pricing, margins & unit economics](https://hardwarepodcasts.com/topic/pricing-and-unit-economics)
- [Manufacturing partners & offshoring](https://hardwarepodcasts.com/topic/manufacturing-partners)
- [Logistics & fulfilment](https://hardwarepodcasts.com/topic/logistics-and-fulfillment)
- [Hiring & workforce](https://hardwarepodcasts.com/topic/hiring-and-workforce)

## Most relevant to

early-stage companies

## Mentioned

- Amelia Risk (company)
- Startup CPG (company)
- Kickfurther (company)
- Graphite Financial (company)

## Related episodes from other shows

- [38 - Jesse Genet CEO of Lumi](https://hardwarepodcasts.com/podcast/people-of-packaging/2020-11-23-38-jesse-genet-ceo-of-lumi) (People of Packaging)
- [076: Warehousing, Fulfillment, and Shipping to Customers](https://hardwarepodcasts.com/podcast/product-startup/2021-05-19-076-warehousing-fulfillment-and-shipping-to-customers) (Product Startup)
- [An Interview with Josh Lifton](https://hardwarepodcasts.com/podcast/the-amp-hour/2016-09-09-an-interview-with-josh-lifton) (The Amp Hour)
- [Managing Business Risk as a Medical Device Company](https://hardwarepodcasts.com/podcast/global-medical-device-podcast/2021-05-03-managing-business-risk-as-a-medical-device-company) (Global Medical Device Podcast)
- [Advice Line with Tony Xu of Doordash](https://hardwarepodcasts.com/podcast/how-i-built-this/2025-10-02-advice-line-with-tony-xu-of-doordash) (How I Built This)

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