HUB International vs Risklytics General Liability Insurance

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ⁴Company-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. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. ⁴Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.

Risklytics does not name the carrier that underwrites Risklytics General Liability 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. ^8,5Company-reported. Lines page and about page; no specific insurer is published for this line.

Not described in the reviewed sources.

Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ⁸Company-reported. Lines page.

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. ⁴Company-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). ⁸Company-reported. Lines page; the issued policy and declarations control actual coverage.

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ⁴Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ⁴Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ⁸Company-reported. Lines page.

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. ⁴Company-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. ^9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form.