The Baldwin Group vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?

The source describes The Baldwin Group’s brokerage or advisory role for Umbrella and Excess Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. ^3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) 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.

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Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^8,5Company-reported. Lines page and about page; no specific insurer is published for this line.

Baldwin lists umbrella/excess liability among possible digital-infrastructure coverages and a complete P&C strategy for M&A portfolio companies. The pages do not establish an insured’s eligibility. ^3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.

Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. ⁸Company-reported. Lines page.

Baldwin lists umbrella and excess liability as coverage options in those commercial programs. It does not identify underlying policies, attachment points, follow-form terms or limits. ^3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.

Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ⁸Company-reported. Lines page; the issued policy and declarations control actual coverage.

The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. ^3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

Baldwin describes risk assessment, program design, claims management and support for digital-infrastructure clients and portfolio companies. ^3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.

Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. ⁸Company-reported. Lines page.

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You start Risklytics Extra Limits (Umbrella) 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. ^9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form.