HUB International vs Risklytics Umbrella and Excess Liability Insurance

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ⁴Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

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. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. ⁴Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there.

Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) 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.

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ⁴Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

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. ⁸Company-reported. Lines page.

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ⁴Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

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

Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. ⁴Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. ⁴Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail.

Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. ⁸Company-reported. Lines page.

Not described in the reviewed sources.

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