--- title: "CNA vs Risklytics: General Liability Insurance" description: "CNA describes GL options across business sizes; Risklytics focuses on robotics and hardware risks and cites $1M/$2M as typical requested limits, not guaranteed terms." canonical: "https://spot.insure/compare/cna-vs-risklytics/general-liability" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-risklytics" provider-a: "cna" provider-b: "risklytics" coverage-line: "general-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-risklytics/general-liability) ## Agent Guide **What this page is:** Focused comparison of CNA and Risklytics for General Liability 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 General Liability Insurance questions about CNA versus Risklytics. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs Risklytics for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, CNA or Risklytics? - What does CNA or Risklytics publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from CNA or Risklytics? **Key facts:** - Line: General Liability Insurance. Providers: CNA and Risklytics. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Risklytics](https://spot.insure/compare/cna-vs-risklytics) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [CNA vs Risklytics Commercial Property Insurance](https://spot.insure/compare/cna-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Risklytics Cyber Insurance](https://spot.insure/compare/cna-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Risklytics D&O Insurance](https://spot.insure/compare/cna-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Risklytics Inland Marine Insurance](https://spot.insure/compare/cna-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line) - [CNA vs Risklytics Tech E&O Insurance](https://spot.insure/compare/cna-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [CNA vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-risklytics/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics General Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) # CNA vs Risklytics: How Do They Compare for General Liability Insurance? CNA describes GL options across business sizes; Risklytics focuses on robotics and hardware risks and cites $1M/$2M as typical requested limits, not guaranteed terms. ## How to Use the CNA vs Risklytics General Liability Insurance Comparison Use this comparison to evaluate CNA and Risklytics for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## CNA vs Risklytics General Liability Insurance Summary CNA identifies GL solutions for smaller through large firms with tailored underwriting and risk support. Risklytics places robotics and hardware coverage and says $1 million per incident and $2 million per year are typical requests, not guaranteed limits. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## What Is Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## What Are the Key Differences Between CNA and Risklytics General Liability Insurance? ### Risk Class and Limit Expectations CNA says its GL solutions serve smaller, mid-sized, and large companies, with underwriting and risk-control staff tailoring support to industry exposure. Risklytics focuses its placement on robotics, autonomy, AI, and hardware risks, and says buyers commonly encounter a $1 million per incident and $2 million annual request. Risklytics expressly describes those numbers as typical asks, not promised policy limits. If a customer contract sets limits, bring it to both discussions and compare the offered declarations. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") ### Placement and Coverage Boundaries CNA describes its GL line as addressing covered bodily injury and property damage owed to third parties. Risklytics is a producer placing policies with outside carriers; its examples include a visitor injury or damage to customer equipment and distinguish product-failure financial loss as a Tech E&O exposure. That distinction can matter for a robotics company whose product causes economic loss without physical damage. Ask whether your scenario belongs in GL, Tech E&O, or both. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") ## What Should You Confirm in CNA and Risklytics General Liability Insurance Quotes? - Ask Risklytics for the named carrier and limits in the declarations, and where product failure is addressed. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") - Ask CNA which class, limit, and product-related terms apply to your operations. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") ## CNA vs Risklytics General Liability Insurance Compared | Criteria | CNA Commercial General Liability | Risklytics General Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | 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. [5](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..) | | Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics General Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | | Who It’s For | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) | | Coverage Features | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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). [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | Limits and Retentions | Confirm in your quote. | 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | | Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) | | How to Apply | Confirm in your quote. | 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. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](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..) | ## Related Pages for CNA vs Risklytics General Liability Insurance - [CNA vs Risklytics](https://spot.insure/compare/cna-vs-risklytics): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [CNA vs Risklytics Commercial Property Insurance](https://spot.insure/compare/cna-vs-risklytics/commercial-property) - [CNA vs Risklytics Cyber Insurance](https://spot.insure/compare/cna-vs-risklytics/cyber) - [CNA vs Risklytics D&O Insurance](https://spot.insure/compare/cna-vs-risklytics/directors-officers) - [CNA vs Risklytics Inland Marine Insurance](https://spot.insure/compare/cna-vs-risklytics/inland-marine) - [CNA vs Risklytics Tech E&O Insurance](https://spot.insure/compare/cna-vs-risklytics/technology-errors-omissions) - [CNA vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-risklytics/umbrella-excess) - [CNA vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-risklytics/workers-compensation) - [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) - [AIG vs Risklytics General Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/general-liability) - [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) - [Alliance Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/general-liability) - [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) - [Amelia Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/general-liability) ## Sources for CNA vs Risklytics General Liability Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability). CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28. ### Sources About Risklytics 5. [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. 6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 8. [General Liability Insurance](https://www.risklytics.ai/lines/liability/). Risklytics; Coverage line: General Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 9. [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. ### Sources for the General Liability Insurance Guide 10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16. Updated 2026-10-01. 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. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## Risklytics Review Scores for 2026 Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-risklytics/general-liability.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)