Gallagher vs 
Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?
Risklytics places umbrella through an online application with no broker fee on top, with a typical request of $1 million to $10 million; Gallagher places it among its casualty lines.
Risklytics is built for robotics, autonomy and AI companies that need a typical $1 million to $10 million umbrella to meet a contract, applied for online. Gallagher designs broader excess casualty programs, including alternative-risk options, with gap analysis and claims advocacy. 1,2
What Are the Key Differences Between Gallagher and Risklytics Umbrella and Excess Liability Insurance?
Specialist Tech Markets Versus a Full Casualty Program
Risklytics says its buyers usually hit the need when a first big contract, often an enterprise master services agreement or a site owner, demands $5 million or more above the primary. It places with specialist insurers that write robotics, autonomy and AI risk, stacking over general liability, commercial auto and employer's liability, but rarely over tech E&O. Gallagher names no target industry and designs the structure, limits and price to fit current and future needs, including non-traditional alternative-risk programs. Choose Risklytics if you're a robotics, autonomy or AI company answering a contract requirement; choose Gallagher if you're a larger company that wants umbrella designed as part of your whole casualty program. 2 3 1
Cost and Service Model
Risklytics takes an online application, charges no broker fee on top of premium, and keeps a licensed producer on your file until the policy is bound. It also notes umbrella capacity depends on how strong your underlying policies are. Gallagher offers pre-renewal meetings, gap analysis, contract and form review, and a claims and loss-control advocacy group, but doesn't publish its compensation. 4 3 2 1
What Should You Confirm in Gallagher and Risklytics Umbrella and Excess Liability Insurance Quotes?
- If you carry tech E&O, ask Risklytics whether it can sit under the umbrella at all. 2
- Ask Gallagher whether an alternative-risk structure makes sense for your excess layer. 1
- Ask Gallagher how it's paid, to compare with Risklytics' no-broker-fee pricing. 4 1
- Ask both which insurer issues the policy; Risklytics says it's named on the bound policy. 2 1
Gallagher vs Risklytics Umbrella and Excess Liability Compared
Gallagher vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Gallagher Umbrella/Excess Liability Insurance | Risklytics Extra Limits (Umbrella) Insurance |
|---|---|---|
| Coverage Features | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. 1Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement. | 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. 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Role in This Line | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. 1Company-reported. Group-level casualty practice page. | 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. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Risk Services | Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. 1Company-reported. Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess. | Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. 2Company-reported. Lines page. |
