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

Risklytics is a licensed producer that places GL with carriers wanting robotics and hardware risk, with no broker fee on top of the premium. Chubb packages GL for small businesses with up to $30 million in revenue, or pairs it with pollution cover in GL Plus.

If your product is a robot, device or other hardware that operates around people, Risklytics shops insurers that specifically want that risk; Chubb fits mainstream small businesses up to $30 million in revenue that want general liability bundled with property. ^5,¹

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

Robotics Specialist vs Broad Small-Business Appetite

Risklytics says generic insurers get wary of machines working around people, so it places general liability with carriers that want robotics and hardware risk. ⁵ Chubb writes it for more than 500 business classes, including technology, healthcare, retail and manufacturing. ¹ Choose Risklytics if you build robots, autonomous systems or other hardware that has scared off insurers; choose Chubb if you run a conventional business and want one package from a single insurer.

Broker Placement vs a Chubb Package

Risklytics is a licensed producer that places the policy with outside carriers; it doesn't name them, and the issuing insurer shows up on the bound policy. ⁶ It says it charges no broker fee on top of the premium. ⁷ Chubb issues the policy itself, as part of a BOP, Benchmarq or Customarq package or GL Plus. ¹

Limits You Can Plan Around

Risklytics says customers typically ask for $1 million per incident and $2 million a year, which gives you a starting point before a quote. ⁵ Chubb publishes no general liability limits, so you'll only see them on the quote. ¹

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

Ask Risklytics which insurer will issue your policy before you bind. ⁶
Check whether a customer's claim that your product failed is excluded, since Risklytics routes that to tech E&O. ⁵
Ask Chubb whether your hardware or robotics operation fits one of its classes. ¹
Ask whether Chubb's GL Plus pollution coverage applies to your products. ²

Chubb vs Risklytics General Liability Insurance Compared

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

Criteria	Chubb General Liability Insurance	Risklytics General Liability Insurance
Who It’s For	Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. ¹Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package.	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. ⁵Company-reported. Lines page.
How to Apply	You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ¹Company-reported. BOP product page call-to-action for business owners and for agents and brokers.	You start Risklytics General 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. ^7,⁶Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. ²Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure. Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. ¹Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state.	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). ⁵Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. ^1,⁴Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package.	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. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	Chubb Risk Consulting is available to GL Plus and package policyholders, and Chubb says it offers casualty claims services for negligence and misconduct claims. ²Company-reported. Environmental page Risk Consulting and Casualty Claims sections; not exclusive to general liability.	Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ⁵Company-reported. Lines page.