Harper vs Risklytics: How Do They Compare for Inland Marine Insurance?

Harper places inland marine within business coverage and can arrange protection for rented or borrowed equipment. Risklytics Insurance Services places robotics-specific equipment cover for units damaged or stolen away from premises, insured for replacement cost.

You fit Harper if tools travel to jobs and you want property and breakdown quoted with inland marine. You fit Risklytics if each robotics demo or pilot unit must be listed at replacement cost off premises. ^1,²

What Are the Key Differences Between Harper and Risklytics Inland Marine Insurance?

Broad Equipment List or Robotics Schedule

Harper quotes transit and jobsite protection together with owned-equipment property and breakdown from a submitted list. Risklytics focuses inland coverage on robotics units damaged or stolen away from premises and schedules each unit at replacement cost. Choose Harper if your list includes mixed business equipment; choose Risklytics if your priority is specific robotics assets. ¹ ²

How Values Are Quoted

Harper says pricing and terms depend on equipment values and where the equipment travels, based on a list you submit. Risklytics says the typical structure is each unit listed at replacement cost, not a single blanket dollar figure, and that the line is placeable once every unit has a real value. Harper’s page does not publish those amounts. ¹ ²

Markets and Fees

Harper prices across insurers willing to write that equipment, including rented or borrowed units. Risklytics places with specialist insurers for robotics, autonomy and AI risk, starts through an online application, and says there is no broker fee on top of premium because the carrier pays commission. ¹ ² ⁴ ³

What Should You Confirm in Harper and Risklytics Inland Marine Insurance Quotes?

Ask Risklytics for per-unit replacement cost and the specialist carrier. ²
Ask Harper which insurers priced the list and whether robots would be treated as ordinary equipment. ¹
Confirm whether Harper’s bundle includes breakdown you do not need on a robotics floater. ¹
Confirm producer fees on both quotes. ⁴ ¹

Harper vs Risklytics Inland Marine Insurance Compared

Harper vs Risklytics: Inland Marine Insurance: documented features by provider

Criteria	Harper Equipment and Inland Marine Insurance	Risklytics Equipment (Inland Marine) Insurance
Who It’s For	Harper targets this coverage at businesses whose equipment or tools travel to jobsites or client locations rather than staying inside one building, since it frames the product around the gap left when equipment leaves the premises. ¹Company-reported. Product-page framing; not an eligibility guarantee for a particular applicant or equipment type.	Risklytics says buyers typically need this coverage the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. ²Company-reported. Lines page.
How to Apply	You apply by sending Harper an equipment list through its online quote form, which it says it prices across insurers willing to write that equipment. ¹Company-reported. Quote form and FAQ observed on the product page.	You start Risklytics Equipment (Inland Marine) 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 inland marine portion of this product as covering equipment while it is in transit or on a jobsite, which it says standard property policies typically exclude once equipment leaves the business's premises. ¹Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says it can also place coverage for rented or borrowed equipment a business is responsible for but does not own, in addition to owned equipment in transit or on site. ¹Company-reported. Product-page coverage-features list; availability and terms depend on the insurer and underwriting.	Risklytics frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Harper places inland marine coverage as part of a combined 'Equipment Insurance' product it sells alongside owned-equipment property coverage and equipment breakdown, rather than as a separately named standalone product page. ¹Company-reported. Harper's equipment product page, the only page found for this line; the coverage directory and intake form separately label the same coverage 'tools and equipment that leave the shop (inland marine).'	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Equipment (Inland Marine) 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.