---
title: "Harper vs Risklytics Insurance"
description: "Compare complex-commercial and frontier-tech brokerage for a business combining field crews with autonomous equipment."
canonical: "https://spot.insure/compare/harper-vs-risklytics"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Harper", "Risklytics"]
---

[Human-readable page](https://spot.insure/compare/harper-vs-risklytics)

# Harper vs Risklytics Insurance

Compare complex-commercial and frontier-tech brokerage for a business combining field crews with autonomous equipment.

## Research Scope and Use

Use this comparison to evaluate Harper and Risklytics against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Harper describes brokerage for complex commercial operations, including contractors and manufacturers. Risklytics focuses on robotics, autonomy and AI submissions; both require account-specific insurer and state confirmation. [8](https://www.harperinsure.com/industries "Industries We Serve") [9](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") [20](https://www.risklytics.ai/about/ "About Risklytics")



## Introduction

A field-service business adding autonomous equipment needs to explain both the people doing the work and the machines operating alongside them. Harper markets to complex commercial operations such as contractors and manufacturers. Risklytics focuses on robotics and autonomy. The useful comparison is how each broker would build the submission for a mixed operation, not which mentions AI more often. [8](https://www.harperinsure.com/industries "Industries We Serve") [20](https://www.risklytics.ai/about/ "About Risklytics")

## Documented Provider Strengths

### Harper

- Harper focuses on hard-to-place operations across industries such as contracting, care services, manufacturing and transportation. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.)
- For workers’ compensation, Harper says it helps classify payroll by job duties and prepare premium-audit information. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [18](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.; verified: 2026-09-15.)

### Risklytics

- Risklytics says it prepares the application from your business description and website for your review. [19](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)
- Risklytics says it reviews technology E&O wording for AI exclusions before binding. [26](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Harper | Risklytics |
| --- | --- | --- |
| Builders risk | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| Business owner’s policy | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Commercial auto | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| Commercial property | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Cyber liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Directors and officers | Not listed | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Equipment breakdown | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| Garage liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| General liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Intellectual property | Not listed | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Liquor liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Management liability | Listed [15](https://partners.harperinsure.com/ "Harper Partners") | Not listed |
| Medical malpractice | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Product liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Professional liability / E&O | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Surety bonds | Listed [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") | Not listed |
| Technology errors and omissions | Not listed | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Tools, equipment and inland marine | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Umbrella and excess liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |
| Workers’ compensation | Listed [7](https://www.harperinsure.com/coverages "What We Cover") [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") | Listed [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Harper and Risklytics

### The Workforce and the Machine Need Equal Attention

Harper describes help classifying payroll and preparing workers' compensation audit information. Risklytics lists workers' compensation but places particular emphasis on explaining what a system does, its location and supervision. Give both brokers the same account of installation, maintenance and field operations, then ask how they separate employee duties from customer-facing product exposures. These service descriptions do not establish that one broker excludes the other's target industries. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets")

### Automation Does Not Replace Approval

Harper says AI assists document extraction, communications and follow-up, with licensed professionals and carriers reviewing final decisions. Risklytics says it prepares an application from business information for the buyer to check and sign. Both approaches still need accurate operational details. Ask who resolves a wrong classification or an omitted activity before the submission reaches an underwriter. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") [19](https://www.risklytics.ai/ "Insurance for Frontier Tech")

Harper's messaging terms say a text cannot bind or change coverage. Risklytics' FAQ describes insurer binding after quote acceptance. Status messages can help manage a deployment deadline, but they should not substitute for the written effective date and outstanding conditions. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [24](https://www.risklytics.ai/faq/ "Questions founders ask")

### Establish the Local Placement Route

The Harper record includes a verified Georgia agency license, not a verified California placement. Its site displays a California number whose current status was not independently confirmed. Risklytics' company table omits California and the reviewed research leaves its route unresolved. For a Bay Area operation, request the producer and insurer authority relevant to the actual lines rather than relying on either company's US marketing. [4](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y "Georgia Agency License Inquiry: Harper Global Enterprises Inc.") [1](https://www.harperinsure.com/ "Harper Homepage") [20](https://www.risklytics.ai/about/ "About Risklytics")

## What to Confirm in Quotes

- Reconcile payroll duties, subcontracting and equipment supervision across applications so the insurer sees one consistent description. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets")
- Ask who handles payroll audits and midterm operational changes, and which services are part of the engagement. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [24](https://www.risklytics.ai/faq/ "Questions founders ask")
- Obtain the named carrier, California producer and written binding confirmation before dispatching the crew under a contract requiring insurance. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [21](https://www.risklytics.ai/terms/ "Terms of Service") [20](https://www.risklytics.ai/about/ "About Risklytics")



## Service Comparison

Harper vs Risklytics Insurance: documented services and availability.

| Criteria | Harper | Risklytics |
| --- | --- | --- |
| Customer focus | Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.) | Risklytics markets to robotics, autonomous-vehicle, hardware, AI software and agent businesses, with additional industry pages for drones, space and defense contractors. Its emphasis is on explaining unfamiliar operations to insurance underwriters. [20](https://www.risklytics.ai/about/ "About Risklytics") [22](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) |
| Application process | The public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. [1](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.; verified: 2026-09-15.)<br><br>The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. [6](https://www.ycombinator.com/companies/harper "Harper Company Profile and Founder Launch Post") (Evidence: Company-reported; scope: Founder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.; verified: 2026-09-15.)<br><br>Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Privacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.; verified: 2026-09-15.)<br><br>The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Sections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.; verified: 2026-09-15.)<br><br>Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Company-reported; scope: Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.; verified: 2026-09-15.)<br><br>Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: February 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.; verified: 2026-09-15.) | Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. [19](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. [24](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) |
| Availability | Georgia’s regulator-linked lookup listed Harper Global Enterprises Inc. as an active resident principal agency, license 237101, when checked on September 15, 2026. It showed property, casualty and life qualifications and an expiration date of September 30, 2028. This is an agency license, not authorization for Harper to act as the insurer. [4](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y "Georgia Agency License Inquiry: Harper Global Enterprises Inc.") (Evidence: Verified; scope: Actual Sircon consumer inquiry for Georgia, Agency, license 237101; NPN 21740058. Codex inspected the result text and screenshot. Georgia only; qualification does not establish an offered product.; verified: 2026-09-15.)<br><br>Harper serves US commercial businesses. Its website also displays California license 6017784, but that license was not independently verified in this research. The reviewed sources did not establish a complete current availability list by state and product. Confirm the writing insurer and availability for each business location. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") [1](https://www.harperinsure.com/ "Harper Homepage") [5](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Not found in reviewed sources; scope: California lookup returned a CAPTCHA validation failure; no adverse licensing inference. Historical state counts in founder marketing are not current regulatory verification.; verified: 2026-09-15.) | Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. [20](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)<br><br>California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. [20](https://www.risklytics.ai/about/ "About Risklytics") [21](https://www.risklytics.ai/terms/ "Terms of Service") [29](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.; verified: 2026-09-16.) |
| Servicing and renewals | For workers’ compensation, Harper says it helps classify payroll by the work employees perform and prepares information for premium audits. Its cost FAQ identifies payroll, job categories and claims history as pricing factors. An audit can reconcile the information used to price the policy; Harper’s service description is not a promise that your premium cannot change. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [18](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.; verified: 2026-09-15.)<br><br>Under that referral program, Harper says it owns the account and handles quoting, placement, servicing, renewals and claims; the referring agent has no servicing duties. Its separate wholesale page offers white-label options. If another agent introduces you, clarify which arrangement applies and who will be your ongoing contact. [15](https://partners.harperinsure.com/ "Harper Partners") [14](https://www.harperinsure.com/industries/insurance-brokers "Insurance Brokers: Wholesale Program") (Evidence: Company-reported; scope: Distinct advertised programs; not assumed contradictory or contractually identical. Account ownership is the program’s language, not a finding that a buyer cannot change brokers.; verified: 2026-09-15.)<br><br>Harper’s public portal entry page advertises access to certificates, policies, payments and application status. Sign-in uses the email address associated with a Harper invitation; the page directs customers without an invitation to its service team. Features behind sign-in were not tested. [16](https://customer.harperinsure.com/ "Customer Portal Entry") (Evidence: Company-reported; scope: Public entry page viewed and captured without authenticating, requesting an invitation or supplying contact information.; verified: 2026-09-15.)<br><br>Harper describes ongoing policy management and annual coverage reviews. Its messaging terms list reminders about renewals, billing and premium finance, along with communications about changes and certificates. These service descriptions do not specify a guaranteed renewal price or a commitment to re-shop every policy. [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Company-reported; scope: Company service statements; no customer service agreement or renewal proposal inspected.; verified: 2026-09-15.) | Risklytics says a broker remains on the account after placement and certificates can be issued against the binder. Its terms describe portal access to submissions, returned options and coverage records. The reviewed FAQ and contact page do not specify a renewal remarketing commitment or certificate turnaround guarantee. [24](https://www.risklytics.ai/faq/ "Questions founders ask") [21](https://www.risklytics.ai/terms/ "Terms of Service") [25](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Published servicing descriptions; no authenticated account inspected or service delivery measured.; verified: 2026-09-16.)<br><br>Risklytics provides a contact form and email support, advertising an email response within a day. That is its stated response target, not a measured service result or emergency claims commitment. [25](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) |

## Related Reading

- [What Is Harper Insurance?](https://spot.insure/insurance-providers/harper)
- [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics)

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## Sources

### [Harper Official Website](https://www.harperinsure.com/)

1. [Harper Homepage](https://www.harperinsure.com/). Harper; Opening process; coverage cards; industry examples; insurer-logo panel; quote-request form; legal footer. Accessed 2026-09-15.
2. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
3. [Privacy Policy](https://www.harperinsure.com/privacypolicy). Harper Group Corp.; Introduction; sections 2–3 on information collection and decision review; sections 7–8 on AI vendors, internal model training and human oversight. Accessed 2026-09-15.
4. [Georgia Agency License Inquiry: Harper Global Enterprises Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y). Georgia Office of Commissioner of Insurance and Safety Fire, via Sircon; Select Georgia, Agency, license 237101, then Submit. Result for HARPER GLOBAL ENTERPRISES INC., NPN 21740058: license and qualification tables (session-based result). Accessed 2026-09-15.
5. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 6017784; CAPTCHA validation failed before a result was returned. Accessed 2026-09-15.
6. [Harper Company Profile and Founder Launch Post](https://www.ycombinator.com/companies/harper). Y Combinator / Harper founders; Company description and founder launch: complex commercial risks; internal Harper Hub form completion, carrier matching and communications; autonomy described as a goal. Accessed 2026-09-15.
7. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory links and coverage choices in the public intake form. Accessed 2026-09-15.
8. [Industries We Serve](https://www.harperinsure.com/industries). Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15.
9. [General Liability Insurance](https://www.harperinsure.com/coverages/general-liability). Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15.
10. [Workers Compensation Insurance](https://www.harperinsure.com/coverages/workers-compensation). Harper; Payroll classification discussion and FAQs about audits and pricing. Accessed 2026-09-15.
11. [Security Guards Insurance](https://www.harperinsure.com/industries/security-guards). Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15.
12. [Surety Bonds](https://www.harperinsure.com/coverages/surety-bonds). Harper; Bond categories, repayment obligations and timing FAQ. Accessed 2026-09-15.
13. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
14. [Insurance Brokers: Wholesale Program](https://www.harperinsure.com/industries/insurance-brokers). Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15.
15. [Harper Partners](https://partners.harperinsure.com/). Harper; Referral terms and FAQs covering commission split, timing, account ownership and service duties; illustrative example; footer qualification for unlicensed referral sources. Accessed 2026-09-15.
16. [Customer Portal Entry](https://customer.harperinsure.com/). Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15.
17. [Why 2000+ Companies Trust Harper For Business Insurance](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/). Harper Insurance Team; Article dated January 21, 2025: carrier ratings, pricing transparency, claims support and ongoing management. Accessed 2026-09-15.
18. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Form 700, revised June 14, 2024; purchasing through a broker-agent, commercial claims, surplus lines, and glossary definition of insurer. Used for role distinctions, not nationwide legal rules. Accessed 2026-09-15.

### [Risklytics Official Website](https://www.risklytics.ai/)

19. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
20. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
21. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
22. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
23. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
24. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
25. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
26. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
27. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
28. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
29. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/harper-vs-risklytics.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)