Chubb vs Risklytics

Chubb is the marketing name for subsidiaries of Chubb Limited, a Swiss holding company, that provide insurance and related services. U.S. commercial policies are issued by U.S.-based Chubb underwriting companies, not by Chubb Limited itself. ^39,2,25

Commercial buyers typically reach Chubb through independent agents and brokers. Chubb appoints producers, operates agent portals, and identifies Chubb Insurance Solutions Agency, Inc. as the licensed agency that administers Chubb Access appointments. Surplus-lines products can be offered only through licensed surplus-lines producers. ^29,30,2,38

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. ^45,46

Chubb markets technology insurance to software and systems developers, technology services and consulting firms, communications and network providers, and electronics and hardware manufacturers, describing appetite from small startups and venture-backed private companies through public and multinational corporations. Its small-business BOP lists technology among more than 500 classes for businesses with up to $30 million in revenue. ^4,7,5

Risklytics markets to robotics, autonomous-vehicle, hardware, AI software and agent businesses, with additional industry pages for drones, space and defense contractors. Its emphasis is on explaining unfamiliar operations to insurance underwriters. ^45,47

For technology companies, Chubb markets DigiTech Enterprise Risk Management as a single policy addressing technology errors and omissions, media and cyber exposures, alongside Cyber ERM for cyber, privacy and media and Pro ERM for professional, media and cyber. Actual terms, limits and exclusions are in the issued form. ^10,9,4

Chubb’s U.S. commercial catalogue for technology and other businesses also includes package policies (BOP, Benchmarq and Customarq combining property, business income and general liability), workers’ compensation, commercial auto, umbrella and excess, ForeFront management-liability parts (including D&O, employment practices, fiduciary and crime), property, inland marine, builders’ risk, equipment breakdown, ocean cargo, environmental/pollution, surety, product recall, and representations and warranties for large-account multinational programs. ^{4,7,11,15,25,27}

Risklytics says it places general liability, technology errors and omissions (E&O), cyber, directors and officers, commercial property, inland marine equipment, workers’ compensation, umbrella, intellectual property and space insurance. These are advertised placement categories, not a single package or a guarantee of availability. ⁴⁷

Risklytics says it reads technology E&O forms before binding and warns that AI exclusions can affect the result. Its product page is a general description, not a specimen policy or confirmation that a particular AI failure is covered. ⁵¹

The advertised IP line discusses both infringement defense and enforcement of owned rights. The space line discusses pre-launch hardware, launch, in-orbit risks and related liability. Neither description establishes that every component is included in a quoted policy. ^52,53,47

Appointed agents and brokers can quote, and for eligible risks issue, small-business and cyber accounts through Chubb Marketplace, and can use Cyber Central for an express cyber quoting path. Marketplace cyber quoting is described for eligible risks with less than $100 million in revenue; referred risks go to underwriters. Businesses seeking coverage are directed to an agent, a U.S. contact form, or chubbsmallbusiness.com for small-business quote inquiries. The reviewed public pages do not describe a general-public online bind for middle-market technology programs. ^{9,10,30,31,12}

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. ⁴⁴

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. ⁴⁹

Chubb’s U.S. site states that products and services vary by jurisdiction and are not available or suitable for all users. Company license materials describe Federal Insurance Company and ACE American Insurance Company as admitted property-and-casualty insurers in all 50 states. That company-wide licensing statement is not a product-by-product availability matrix. ^2,25,36

California’s regulator lists Federal Insurance Company (NAIC 20281) and ACE American Insurance Company (NAIC 22667) as admitted property-and-casualty insurers in the Chubb Ltd group. The reviewed product pages do not publish a California-specific eligibility list for technology, DigiTech ERM or small-business BOP. Surplus-lines placements, if used, must go through a licensed surplus-lines producer. U.S. branch offices are not evidence that a product is available in California. ^{41,42,43,2,35}

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. ⁴⁵

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. ^45,46,54