Harper vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?

Risklytics places umbrella through an online application, with no broker fee on top and a typical request of $1 million to $10 million; Harper takes quotes by online form or phone.

Risklytics places $1 million to $10 million in extra limits for robotics, autonomy and AI companies, usually when an enterprise contract or site owner demands $5 million or more. Harper serves general businesses, with extra limits that follow the terms of the policies underneath. ^1,²

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

Robotics and AI Versus Everyone Else

A warehouse-robot maker whose customer’s master service agreement demands $5 million needs insurers that will write autonomy risk at all. Risklytics works with specialist insurers that write robotics, autonomy and AI, and says umbrella capacity follows the strength of your underlying policies. Harper doesn’t mention those markets; it recommends umbrella when a lease or contract requires it or when a claim could exceed what you can absorb. Choose Risklytics if you build robots, autonomous systems or AI; choose Harper if you’re a conventional business that wants a specialist to map your existing policies. ² ¹

What the Layer Sits Over

Both stack limits over general liability and auto. Risklytics adds employer’s liability and says it rarely goes over Tech E&O, so a software-heavy company may still have a professional-liability gap. Harper responds when an injured employee sues separately from workers’ compensation, and maps which policies sit under the layer. ² ¹

Starting a Quote

Risklytics has an online application, charges no broker fee on top of premium and keeps a licensed producer on your file until the policy is bound. Harper takes requests by form or phone, and a specialist reviews your policies before recommending a limit. Only Risklytics publishes a typical range. ⁴ ³ ¹

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

If Tech E&O is your main policy, ask Risklytics whether it can sit over it. ²
Ask Harper how it treats employee lawsuits over workers’ compensation. ¹
Check the quoted limit against your contract’s demand. ²
Ask both which insurer issues the policy, and whether robotics or AI work limits your options. ² ¹

Harper vs Risklytics Umbrella and Excess Liability Insurance Compared

Harper vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Harper Umbrella Insurance	Risklytics Extra Limits (Umbrella) Insurance
Who It’s For	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. ¹Company-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. ²Company-reported. Lines page.
How to Apply	You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ¹Company-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. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	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. ¹Company-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. ¹Company-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. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	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. ¹Company-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. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.