Embroker vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms with no broker fee on top of premium; Embroker sells its own standalone policy with a free risk-profile tool.

Embroker sells standalone cyber and says you can request a quote in under 10 minutes. Risklytics says companies typically need cyber once they hold customer data in production, and lists a typical enterprise-contract ask of $1 million or more. ^1,²

What Are the Key Differences Between Embroker and Risklytics Cyber Insurance?

A Timed Quote Versus a Data-and-Contract Trigger, With a Typical Limit Ask

Embroker says you can request a cyber quote in under 10 minutes. Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. It lists a typical ask of $1 million or more in enterprise contracts. Embroker does not publish a typical limit. Choose Embroker if you want a standalone cyber quote started online in minutes; choose Risklytics if your trigger is production data or a contract asking for about $1 million, and you want to apply online with a licensed producer on the file. ¹ ²

How You Apply and What You Pay the Broker

Embroker uses a free risk-profile tool plus a quote request. You start Risklytics through its online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until bind. Embroker's page does not discuss a broker fee. ¹ ⁴ ³

Coverage Framing

Embroker lists network security, privacy, data loss, business interruption, fraud, social engineering and extortion. Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and claims after a hack or data leak, and says it does not respond to a model giving bad output with no breach. If your risk is model output rather than a breach, Risklytics' page is warning you off that wording. ¹ ²

What Should You Confirm in Embroker and Risklytics Cyber Insurance Quotes?

Ask Risklytics which specialist insurer would issue the policy. ²
Ask Embroker to name the insurer, limit and deductible. ¹
Ask Risklytics whether the $1 million-plus figure is the limit it will quote. ²

Embroker vs Risklytics Cyber Insurance Compared

Embroker vs Risklytics: Cyber Insurance: documented features by provider

Criteria	Embroker Cyber Insurance	Risklytics Cyber Liability Insurance
Who It’s For	Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. ¹Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ²Company-reported. Lines page.
How to Apply	Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ¹Company-reported. Product-page calls to action; no quote was requested during this research.	You start Risklytics Cyber 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. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ¹Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ¹Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ¹Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ¹Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ¹Company-reported. Product-page description; not a statement about the issuing insurer for this line.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.