Harper vs Risklytics: How Do They Compare for Workers’ Compensation Insurance?

Risklytics places coverage with outside carriers and says there is no extra fee on top of the premium; Harper, a broker, sorts payroll into job classes before binding and shops one application.

Risklytics says it charges no separate broker fee and targets robotics and AI risks; Harper focuses on payroll class codes and publishes no fee information. ^4,^3,¹

What Are the Key Differences Between Harper and Risklytics Workers’ Compensation Insurance?

Shared Broker Role, Different Framing

Risklytics keeps a licensed producer on the online application through binding, while Harper says it shops applications to insurers writing the buyer's job classes. Choose Risklytics if you operate robotics or AI and want its disclosed fee structure; choose Harper if classification review before binding matters. ⁴ ³ ² ¹

Fees on Top of Premium

Risklytics is explicit that its producer earns commission from the carrier rather than charging a separate fee:

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

Harper's reviewed page does not address broker fees at all, publishing only that payroll, job categories and claims history set the price. ¹

Who Ends Up Insured

Neither page names the insurer that would underwrite a given policy. Harper's page is silent on the carrier entirely, while Risklytics says it places coverage with insurers willing to write robotics, autonomy and AI risk specifically, suggesting a narrower carrier pool than a general small-business placement. ¹ ³

What Should You Confirm in Harper and Risklytics Workers’ Compensation Insurance Quotes?

Ask each producer to name the insurer before you bind, since neither publishes one. ¹ ³
Confirm in writing whether Harper charges any placement fee beyond premium, since its page does not say either way. ¹
Ask Risklytics whether your business's risk profile fits its stated focus on robotics, autonomy and AI risk, or whether it places more conventional operations too. ³
Get each firm's payroll and class-code classification for your business in writing before comparing quoted premiums. ¹ ²

Harper vs Risklytics Workers’ Compensation Insurance Compared

Harper vs Risklytics: Workers’ Compensation Insurance: documented features by provider

Criteria	Harper Workers Compensation Insurance	Risklytics Workers' Compensation Insurance
Who It’s For	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. ¹Company-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. ²Company-reported. Lines page.
How to Apply	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. ¹Company-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. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	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. ¹Company-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. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	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. ¹Company-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. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	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. ¹Company-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. ²Company-reported. Lines page.