Harper vs Risklytics Workers’ Compensation Insurance

Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. ³Company-reported. Workers compensation page introduction and 'Why Harper' section.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation 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.

The reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. ³Not publicly disclosed. Checked the workers compensation page on 2026-09-23; no carrier is named for this line.

Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation 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 says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. ³Company-reported. Workers compensation page introduction and FAQ 'When am I required to carry it?'.

Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. ⁷Company-reported. Lines page.

Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. ³Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope.

Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.

Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. ³Not publicly disclosed. Workers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote.

Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. ⁷Company-reported. Lines page.

Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. ³Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome.

Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. ⁷Company-reported. Lines page.

You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. ³Company-reported. Workers compensation page quote form and 'Why Harper' process steps.

You start Risklytics Workers' Compensation 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.