Gallagher vs Risklytics Umbrella and Excess Liability Insurance

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. ⁶Company-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. ⁷Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. ⁶Not publicly disclosed. Checked the group-level casualty practice page.

Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) 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. ^10,7Company-reported. Lines page and about page; no specific insurer is published for this line.

The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. ⁶Not publicly disclosed. Checked the group-level casualty practice page on 2026-09-23.

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. ¹⁰Company-reported. Lines page.

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. ⁶Company-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. ¹⁰Company-reported. Lines page; the issued policy and declarations control actual coverage.

The casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. ⁶Not publicly disclosed. Checked the group-level casualty practice page.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ¹⁰Company-reported. Lines page; actual limits are set on the bound policy.

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. ⁶Company-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. ¹⁰Company-reported. Lines page.

Not described in the reviewed sources.

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. ^11,7Company-reported. Pricing page describes the general application and fee process, not a line-specific form.