Chubb vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?

Chubb underwrites umbrella directly and lets an appointed broker bind through Express Umbrella; Risklytics is a licensed producer placing with outside carriers, listing a typical request of $1 million to $10 million.

Risklytics is built for robotics, autonomy and AI companies whose first big customer contract demands more liability, typically $1 million to $10 million, applied for online. Chubb writes the umbrella itself and organizes it for mid-sized and global companies, energy and construction. ^3,^1,²

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

Your First Enterprise Contract or an Established Program

Risklytics says the usual trigger is a master services agreement or site owner asking for $5 million or more. It places the layer with specialist insurers willing to take robotics, autonomy and AI risk. It usually stacks over general liability, commercial auto and employer's liability, rarely over tech errors and omissions. Chubb carries the risk itself, and appointed brokers can bind its Express Umbrella. Choose Risklytics if you're a robotics or AI startup trying to close a deal; choose Chubb if you're a mid-sized or larger company, or in energy or construction, with a broker already. ³ ⁴ ¹

How You Apply and What It Costs to Use Them

Risklytics runs an online application and says it adds no broker fee on top of the premium. Chubb takes quote requests online or through an appointed agent and publishes no limit range. ⁵ ¹

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

Ask Risklytics which insurer issues your policy; you'll only see the name on the bound policy. ⁴
If your contract asks for higher tech errors and omissions limits, ask Risklytics whether its layer can sit over that policy. ³
Ask Chubb whether Express Umbrella or a larger segment program fits your account, and what limits it offers. ¹

Chubb vs Risklytics Umbrella and Excess Liability Insurance Compared

Chubb vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Chubb Umbrella & Excess Casualty Insurance	Risklytics Extra Limits (Umbrella) Insurance
Limits and Retentions	When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. ²Company-reported. Workers'-compensation Total Account Solution section.	Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ³Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. ¹Company-reported. Umbrella & Excess Casualty Insurance Options section.	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. ³Company-reported. Lines page.
How to Apply	Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. ¹Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers. You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ¹Company-reported. Umbrella & Excess Casualty product page quote call-to-action.	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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. ¹Company-reported. Umbrella & Excess Casualty product page option descriptions.	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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. ^1,²Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section.	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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.