Harper vs Risklytics Umbrella and Excess Liability Insurance

Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ³Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.

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. 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 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. ^7,4Company-reported. Lines page and about page; no specific insurer is published for this line.

Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ³Company-reported. Umbrella FAQ 'Do I need an umbrella?'.

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. ⁷Company-reported. Lines page.

Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ³Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.

Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ³Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.

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

Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. ³Not publicly disclosed. Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. 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” because umbrella capacity follows the strength of the underlying policies it sits above. ⁷Company-reported. Lines page.

You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ³Company-reported. Umbrella page quote form and 'Why Harper' process steps.

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