---
title: "Armilla vs Risklytics Insurance"
description: "Separate AI liability insurance, a model-performance warranty and a broader brokerage program for an enterprise AI contract."
canonical: "https://spot.insure/compare/armilla-vs-risklytics"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Armilla", "Risklytics"]
---

[Human-readable page](https://spot.insure/compare/armilla-vs-risklytics)

# Armilla vs Risklytics Insurance

Separate AI liability insurance, a model-performance warranty and a broader brokerage program for an enterprise AI contract.

## Research Scope and Use

Use this comparison to evaluate Armilla and Risklytics against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Armilla markets AI liability insurance, performance warranties and assessments as distinct offerings. Risklytics describes arranging commercial insurance for AI and robotics businesses; neither record confirms a product-specific California route. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [10](https://www.risklytics.ai/about/ "About Risklytics")



## Introduction

An enterprise AI contract may ask for insurance and also promise a level of model performance. Those are different obligations. Armilla markets both AI liability insurance and a contractual performance warranty, while Risklytics describes commercial brokerage for AI and robotics businesses. Begin by deciding which obligation the proposed product addresses before comparing its price with a broader insurance program. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [10](https://www.risklytics.ai/about/ "About Risklytics")

## Documented Provider Strengths

### Armilla

- Dedicated liability coverage for AI model and agent failures [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.)
- Model assessments with remediation support and optional retesting [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.)

### Risklytics

- Risklytics says it prepares the application from your business description and website for your review. [9](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)
- Risklytics says it reviews technology E&O wording for AI exclusions before binding. [16](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Armilla | Risklytics |
| --- | --- | --- |
| Commercial property | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Cyber liability | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Directors and officers | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| General liability | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Generative AI liability | Listed [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed |
| Intellectual property | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Technology errors and omissions | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Tools, equipment and inland marine | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Umbrella and excess liability | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Workers’ compensation | Not listed | Listed [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Armilla and Risklytics

### A Warranty Does Not Replace Liability Insurance

Armilla Guaranteed is described as a contractual performance warranty, with remedies tied to agreed metrics. Armilla's standalone liability brief instead lists sample AI loss areas such as model errors and harmful output. Neither should be read as an entire business-insurance package. Risklytics lists technology E&O, cyber and general commercial lines, but its review of AI exclusions does not itself create a guarantee of model performance. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") [16](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance")

### Testing and Placement Produce Different Evidence

Armilla says its process begins with an AI assessment and describes testing, remediation support and optional monitoring. Risklytics says it drafts a commercial application and approaches suitable insurers. An assessment report may help specify performance and risk, but it is not a bound policy; an insurance application is not a validation of model reliability. Ask which testing, reporting and ongoing-change obligations are required by the actual contract. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [9](https://www.risklytics.ai/ "Insurance for Frontier Tech") [14](https://www.risklytics.ai/faq/ "Questions founders ask")

### Identify Who Owes the Remedy

Armilla identifies itself as an MGA/coverholder, not the risk-bearing insurer, and names different backing partners for insurance and warranties. The reviewed public materials do not establish the warranty issuer or the exact insurer for an individual quote. Risklytics is also an intermediary, with the insurer determined by placement. These may be complementary layers, but no distribution relationship between them is established here. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [11](https://www.risklytics.ai/terms/ "Terms of Service")

## What to Confirm in Quotes

- Ask the customer which insurance evidence it requires and which performance remedy it expects; obtain the actual warranty and policy separately. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets")
- Identify the contracting issuer, reporting obligations, covered metrics and treatment of model changes, rather than relying on backing-partner names. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming")
- Establish the California surplus-lines or other placement route and separate assessment fees from premium. Neither record confirms account-specific California access. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [10](https://www.risklytics.ai/about/ "About Risklytics")



## Service Comparison

Armilla vs Risklytics Insurance: documented services and availability.

| Criteria | Armilla | Risklytics |
| --- | --- | --- |
| Business role | Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)<br><br>Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. [10](https://www.risklytics.ai/about/ "About Risklytics") [11](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) |
| Application process | Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. [9](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. [14](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) |
| Access to insurers | Armilla names certain underwriters at Lloyd’s for its affirmative AI liability insurance. Its product brief also names Chaucer, Axis Capital and Convex as backing partners, without identifying the contracting insurer or syndicate for an individual quote. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: AI liability only. Partner names do not establish that each participates in every placement; no ratings independently verified.; verified: 2026-09-16.)<br><br>The warranty brief names Chaucer Group, Greenlight Re and Swiss Re as backing partners. It does not identify the legal warranty issuer, the buyer’s direct rights against a backing insurer, or a California-specific warranty contract. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty partner disclosure only; no inference that backing partners directly insure the enterprise buyer.; verified: 2026-09-16.) | The terms allow submissions directly to insurers or through wholesale brokers. No named issuing insurer or product-specific California placement arrangement was identified in the reviewed terms, market-access page or coverage pages. [11](https://www.risklytics.ai/terms/ "Terms of Service") [12](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") [16](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [18](https://www.risklytics.ai/lines/space/ "Space insurance, explained") (Evidence: Not publicly disclosed; scope: Reviewed sources establish a described placement mechanism, not carrier appointments, completed placements or a specific insurer contract.; verified: 2026-09-16.) |
| Servicing and renewals | Armilla Verified evaluates model performance, fairness, security and robustness. Armilla describes scoping, testing, remediation support and an internal report, with a badge conditional on meeting benchmarks. Optional monitoring and retesting are offered as models change. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.)<br><br>The reviewed assessment and insurance pages do not disclose insurance renewal procedures or whether ongoing model monitoring is included in the premium. Optional assessment support should be priced and scoped separately in the proposal. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Not publicly disclosed; scope: Limited to public product and assessment pages reviewed September 16, 2026.; verified: 2026-09-16.) | Risklytics says a broker remains on the account after placement and certificates can be issued against the binder. Its terms describe portal access to submissions, returned options and coverage records. The reviewed FAQ and contact page do not specify a renewal remarketing commitment or certificate turnaround guarantee. [14](https://www.risklytics.ai/faq/ "Questions founders ask") [11](https://www.risklytics.ai/terms/ "Terms of Service") [15](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Published servicing descriptions; no authenticated account inspected or service delivery measured.; verified: 2026-09-16.)<br><br>Risklytics provides a contact form and email support, advertising an email response within a day. That is its stated response target, not a measured service result or emergency claims commitment. [15](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) |
| Availability | Armilla says its insurance products use surplus-lines insurers and properly licensed surplus-lines brokers, with availability varying by jurisdiction. The reviewed disclosures do not establish a California placement route for a particular applicant; a Bay Area address alone does not establish eligibility. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: US-oriented state availability disclosure; no California license, broker appointment or product eligibility independently verified.; verified: 2026-09-16.) | Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. [10](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)<br><br>California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. [10](https://www.risklytics.ai/about/ "About Risklytics") [11](https://www.risklytics.ai/terms/ "Terms of Service") [19](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.; verified: 2026-09-16.) |

## Related Reading

- [What Is Armilla?](https://spot.insure/insurance-providers/armilla)
- [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics)

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## Sources

### [Armilla Official Website](https://www.armilla.ai/)

1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16.
4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.). Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16.

### [Risklytics Official Website](https://www.risklytics.ai/)

9. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
10. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
11. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
12. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
13. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
14. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
15. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
16. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
17. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
18. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
19. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/armilla-vs-risklytics.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)