Harper vs Risklytics: How Do They Compare for General Liability Insurance?

Risklytics is a licensed producer placing GL with carriers wanting robotics and hardware risk, with no broker fee on top; Harper takes one application to multiple insurers, aimed at hard-to-place or previously declined businesses.

Risklytics places general liability with insurers it says are willing to write robotics, autonomy and AI risk, citing a typical ask of $1 million per incident and $2 million per year. Harper places general liability across multiple insurers for hard-to-place or previously declined businesses generally, without a stated industry specialty. ^2,¹

What Are the Key Differences Between Harper and Risklytics General Liability Insurance?

A Named Risk Specialty vs. a Named Applicant History

Risklytics says this line needs insurers that specifically want robotics and hardware risk, because machines operating around people make generic insurers wary. ² Harper's specialty runs along a different axis: it names hard-to-place or previously declined businesses generally, without limiting itself to a particular industry the way Risklytics does. ¹

Typical Limits Cited by Each

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. ²Company-reported. Lines page; actual limits are set on the bound policy.

Harper's comparable figure is a starting point rather than a typical ask: it says most leases and contracts request $1 million per claim, and that it recommends higher limits case by case. ¹

Fees on Top of the Premium

Risklytics says there is no broker fee on top of the premium, with its commission paid by the carrier out of that premium. ⁴ Harper's reviewed page does not address fees or commission structure for its placements at all. ¹

Applying for Coverage

Risklytics runs its application online, with a producer Risklytics describes as licensed staying on the file until the program binds. ⁴ Harper's online form instead routes to a specialist follow-up rather than a self-service bind, matching its focus on cases that need individual review. ¹

What Should You Confirm in Harper and Risklytics General Liability Insurance Quotes?

Ask Risklytics which specific insurers on its panel write your equipment or robotics risk. ³
Ask Harper which insurers are reviewing your application and how long that specialist review takes. ¹
Confirm whether Risklytics' $1 million/$2 million figures are a guaranteed limit or, as stated, a typical ask. ²
Get Harper's actual limit ceiling above its stated $1 million starting point. ¹

Harper vs Risklytics General Liability Insurance Compared

Harper vs Risklytics: General Liability Insurance: documented features by provider

Criteria	Harper General Liability Insurance	Risklytics General Liability Insurance
Limits and Retentions	Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. ¹Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting.	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. ²Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. ¹Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant.	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. ²Company-reported. Lines page.
How to Apply	You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. ¹Company-reported. Quote form and FAQ observed on the product page.	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. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. ¹Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.	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). ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. ¹Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision.	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. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. ¹Company-reported. Product-page service claim; not independently timed or confirmed for a particular request.	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. ²Company-reported. Lines page.