Harper vs Risklytics Inland Marine Insurance

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. ³Company-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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

Not described in the reviewed sources.

Risklytics does not name the carrier that underwrites Risklytics Equipment (Inland Marine) 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. ^7,4Company-reported. Lines page and about page; no specific insurer is published for this line.

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. ³Company-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. ⁷Company-reported. Lines page.

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. ³Company-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. ³Company-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. ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.

The reviewed equipment page does not publish limit or valuation amounts for inland marine coverage; it says pricing and available terms depend on equipment values and where the equipment travels. ³Not publicly disclosed. Equipment product page as read on 2026-09-23.

Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. ⁷Company-reported. Lines page; actual limits are set on the bound policy.

Not described in the reviewed sources.

Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. ⁷Company-reported. Lines page.

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. ³Company-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. ^8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form.