HUB International vs 
Risklytics: How Do They Compare for General Liability Insurance?
Risklytics is a licensed producer placing GL with carriers wanting robotics and hardware risk, with no broker fee on top; HUB International brokers GL and places the policy with an insurer on the client's behalf.
Risklytics focuses on robotics, autonomy, and AI risks and says there is no broker fee added to premium; HUB offers broker-led guidance for general liability scenarios. 2,1
What Are the Key Differences Between HUB International and Risklytics General Liability Insurance?
Robotics Specialization and Broker Advice
Risklytics focuses on robotics, autonomy, and AI systems operating near people and says its commission is included in premium rather than charged as an added broker fee; HUB describes general claim scenarios and starts with a broker. 2 4 1 Choose Risklytics if you build or operate robotics or autonomous hardware; choose HUB if you want a broker to discuss general liability for your business.
Whether Fees Are Addressed
Risklytics says it charges no broker fee on top of the premium and that a licensed producer stays on the file until the program binds, with its commission paid by the carrier either way. 4 HUB's page does not address fees or compensation for a general liability placement. 1
Putting a Number on Limits or Not
Risklytics cites a typical customer ask of $1 million per incident and $2 million total per year, describing it as a common request rather than a guaranteed limit. 2 HUB's page names no comparable limit figures for general liability.
Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 1Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.
What Should You Confirm in HUB International and Risklytics General Liability Insurance Quotes?
- If your business involves robotics or hardware around people, ask Risklytics which specialist insurer it would place you with. 2
- Ask HUB which insurer it would place your general liability with and what limits it can offer. 1
- Confirm whether Risklytics' no-broker-fee structure changes if your program requires additional underwriting review. 4
- Ask HUB whether any risk-control services accompany a brokered policy, since its page does not describe any. 1
HUB International vs Risklytics General Liability Insurance Compared
HUB International vs Risklytics: General Liability Insurance: documented features by provider
| Criteria | HUB International General Liability Insurance Brokerage | Risklytics General Liability Insurance |
|---|---|---|
| How to Apply | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. 1Company-reported. Product-page copy; no online quote or bind flow is described. | You start Risklytics General Liability 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 | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 1Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. | Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Role in This Line | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 1Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General Liability 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. |
