CFC vs Risklytics: How Do They Compare for General Liability Insurance?

Risklytics is a licensed producer placing GL with carriers that want robotics and hardware risk, with no broker fee on top of the premium. CFC combines GL with property in one policy and lists a casualty limit up to $6 million.

Risklytics places general liability with carriers that specifically want robotics and hardware risk, while CFC's published appetite for its bundled Property & Casualty policy ordinarily declines manual contractors and tire re-moulders. ^4,²

What Are the Key Differences Between CFC and Risklytics General Liability Insurance?

A Named Robotics Niche Versus a Published Manufacturing Appetite

Risklytics says general liability for its clients "needs the right insurers" because machines operating around people make generic insurers wary, and it places with carriers that specifically want robotics and hardware risk. ⁴ CFC's published appetite instead favors manufacturers and distributors broadly, without singling out robotics, while ordinarily declining manual contractors, amusement arcades and aviation risks.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Broker Placement Versus a Bundled Underwritten Line

Risklytics describes itself as a licensed insurance producer that places its general liability policy with outside carriers and says it does not underwrite the risk itself. ⁵ CFC does not broker the line to outside carriers in the same way; general liability comes bundled with commercial property inside CFC's own Property & Casualty policy. ¹

Limits Disclosure

Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a common buyer request rather than a guaranteed policy limit. ⁴ CFC publishes a specific casualty limit of up to $6,000,000 for its combined policy, a different figure covering both liability and property. ²

What Should You Confirm in CFC and Risklytics General Liability Insurance Quotes?

Ask Risklytics which specialist carrier is underwriting your policy, since its lines page describes carrier appetite without naming one. ⁴
Ask CFC which insurer underwrites the Property & Casualty policy for your account. ¹
If your hardware business also does on-site installation work, ask CFC whether that shifts it into the manual-contractor class it says it ordinarily declines. ²
Ask Risklytics whether the $1 million/$2 million figures it describes as a "typical ask" match what your bound policy would actually carry. ⁴

CFC vs Risklytics General Liability Insurance Compared

CFC vs Risklytics: General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	Risklytics General Liability Insurance
Limits and Retentions	CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. ²Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.	Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. ⁴Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ⁴Company-reported. Lines page.
Coverage Features	The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ²Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ²Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.	Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General Liability 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.