Amelia Risk vs Risklytics: How Do They Compare for Workers’ Compensation Insurance?

Through an online application, Risklytics places workers' comp with outside carriers and says it adds no fee on top of the premium; Amelia Risk is a brokerage that approaches insurers for you and reviews quotes with you.

Risklytics states directly that there's no broker fee on top of the premium and that its commission is paid by the carrier, while Amelia Risk's page doesn't disclose a fee structure and instead explains that premium is calculated as payroll multiplied by a rate. ^6,^5,¹

What Are the Key Differences Between Amelia Risk and Risklytics Workers’ Compensation Insurance?

Fee Disclosure

Risklytics states its fee structure directly:

You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^6,⁵Company-reported. Pricing page describes the general application and fee process, not a line-specific form.

Amelia Risk's reviewed page does not disclose whether it charges a broker fee separate from the premium. ²

Specialist Carriers Versus a General Panel

Risklytics describes placing with specialist insurers willing to write robotics, autonomy and AI risk, though it doesn't name the carrier on its site. ⁴ ⁵ Amelia Risk instead says the carrier comes from the dozens of insurers it works with generally, without describing a specialist niche. ¹ ³

Officer Self-Exclusion, With and Without a State Caveat

Risklytics notes that states differ on whether founders and officers can exclude themselves from coverage. ⁴ Amelia Risk instead says eligible officers can decline coverage for themselves, without noting that the rule varies by state. ¹

What Should You Confirm in Amelia Risk and Risklytics Workers’ Compensation Insurance Quotes?

If your business involves robotics or AI-adjacent operations, ask Risklytics which specialist carriers it can access. ⁴
Ask Amelia Risk whether it charges any broker fee beyond the premium, since its page doesn't say. ²
If you're a founder or officer, confirm with both whether your specific state allows self-exclusion. ⁴ ¹
Ask Amelia Risk which insurers it approached and their commission arrangement, since its page doesn't disclose one. ³

Amelia Risk vs Risklytics Workers’ Compensation Insurance Compared

Amelia Risk vs Risklytics: Workers’ Compensation Insurance: documented features by provider

Criteria	Workers Compensation	Risklytics Workers' Compensation Insurance
Limits and Retentions	Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. ¹Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule.	Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. ⁴Company-reported. Lines page.
Who It’s For	Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. ¹Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state.	Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. ⁴Company-reported. Lines page.
How to Apply	Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ³Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form.	You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^6,⁵Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Amelia Risk describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. ¹Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. ¹Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component.	Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. ²Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.