---
title: "Beazley vs Risklytics: Cyber Insurance"
description: "Risklytics places Cyber Liability with outside carriers, including specialists willing to write robotics, autonomy and AI risk, and cites a typical enterprise-contract ask of $1 million or more. Beazley publishes a $5 million Full Spectrum Cyber ceiling for accounts under $35 million in revenue."
canonical: "https://spot.insure/compare/beazley-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-risklytics"
provider-a: "beazley"
provider-b: "risklytics"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Beazley and Risklytics for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Beazley versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Risklytics for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Beazley or Risklytics?
- What does Beazley or Risklytics publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Beazley and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# Beazley vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms, noting contracts often ask for $1 million or more; Beazley sells Full Spectrum Cyber with limits up to $5 million to accounts under $35 million.

Risklytics places cyber with specialist insurers for robotics, autonomy and AI risk and cites a typical $1 million enterprise-contract ask; Beazley publishes a $5 million Full Spectrum Cyber ceiling for accounts under $35 million in revenue.

## Beazley vs Risklytics Cyber Insurance Summary

Risklytics places Cyber Liability with outside carriers, including specialists willing to write robotics, autonomy and AI risk, and cites a typical enterprise-contract ask of $1 million or more. Beazley publishes a $5 million Full Spectrum Cyber ceiling for accounts under $35 million in revenue. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## What Are the Key Differences Between Beazley and Risklytics Cyber Insurance?

### Robotics and AI Markets Versus a Revenue-Capped Beazley Form

Risklytics is a licensed producer that places Cyber Liability with outside carriers and says it works with specialist insurers willing to write robotics, autonomy and AI risk. Beazley underwrites Full Spectrum Cyber itself for accounts under $35 million in revenue with limits up to $5 million, without describing those specialist AI markets. Choose Risklytics if you need a producer who will take robotics or AI risk to specialist markets; choose Beazley if you want a named small-business form and fit the revenue cap. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### No Broker Fee Versus Discounted Vendor Tools

Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds, started through its online application. Full Spectrum Cyber policyholders instead get discounted vendor services such as anti-phishing tools through Beazley Security after the policy is bound. [7](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### Contract Ask Versus a Published Ceiling

Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line, and says companies usually need it the first time they hold customer data in production. Beazley publishes a $5 million ceiling for Full Spectrum Cyber rather than an enterprise-contract typical ask. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## What Should You Confirm in Beazley and Risklytics Cyber Insurance Quotes?

- Ask Risklytics which specialist carrier would issue the policy; the site does not name one. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Ask Beazley for the issuing entity on Full Spectrum Cyber. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")
- If a customer contract requires $1 million or more, confirm both quotes meet that figure. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")
- Ask Risklytics whether prompt-injection or model-leak wording is actually on the form it reads. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## Beazley vs Risklytics Cyber Insurance Compared

| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Risklytics Cyber Liability Insurance |
| --- | --- | --- |
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy..) | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Who It’s For | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting..) | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [4](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal..) | You start Risklytics Cyber Liability 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. [7](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| Coverage Features | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording..) | Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Role in This Line | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [2](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Risk Services | Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page..) | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. [5](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Beazley and Risklytics and Cyber Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Beazley vs Risklytics Cyber Insurance

- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Beazley Cyber Insurance](https://spot.insure/insurance-providers/beazley/cyber)
- [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber)

## Sources for Beazley vs Risklytics Cyber Insurance

### Sources About Beazley

1. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer: Beazley Breach Response, integrated cyber risk management services, Beazley Security partnership; Beazley Breach Response Services; Vendor Services; Eligibility and myBeazley platform paragraph. Accessed 2026-09-23.
2. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Breach Response, Regulatory Defense & Penalties, Payment Card Liabilities & Costs, First Party Data & Network Loss and eCrime insuring agreements; Definitions: Breach Response Costs, Cyber Extortion Loss, Security Breach; Limit of Liability and Coverage. Accessed 2026-09-23.
4. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; pages 3-4 Ransomware Controls (MFA, VPN, patching, backups, security awareness training). Accessed 2026-09-23.

### Sources About Risklytics

5. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
6. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
7. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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/beazley-vs-risklytics/cyber.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)