HUB International vs 
Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?
Risklytics places umbrella through an online application, listing a typical request of $1 million to $10 million; HUB International brokers umbrella through a casualty practice for transportation, construction and healthcare.
Risklytics suits a tech, robotics or AI company that needs $1 million to $10 million of extra limit because an enterprise customer or site owner demands it, and you apply online. HUB suits established businesses in transportation, construction, healthcare, hospitality, manufacturing and real estate that want claims and litigation support. 2,1
What Are the Key Differences Between HUB International and Risklytics Umbrella and Excess Liability Insurance?
Meeting One Contract Versus Protecting Against a Catastrophic Verdict
Risklytics' typical buyer has just signed a master service agreement, or is working on a site, that demands $5 million or more when the primary carries less. It works with specialist insurers that will write robotics, autonomy and AI. HUB frames umbrella around catastrophic settlements that blow through your general, auto or employer's liability limits, and it names transportation, construction, healthcare, hospitality, manufacturing and real estate. Choose Risklytics if you're a tech or robotics company clearing a customer's insurance requirement; choose HUB if you're in one of its named industries and worried about a judgment bigger than your primary limits. 2 3 1
Professional Liability Won't Usually Sit Underneath
Risklytics says its extra limits rarely go over Tech E&O, so a software company can't count on this layer to raise professional limits. It also notes that how much limit you can get depends on how strong your primary policies are. HUB's casualty page lists general, auto and employer's liability underneath and doesn't discuss professional lines. 2 1
Service and Cost
HUB backs placements with risk services, claims and litigation support, and analytics, drawing on its insurer relationships. Risklytics starts with an online application and charges no broker fee on top of premium. HUB doesn't publish fees or an online option for this line. 1 4
What Should You Confirm in HUB International and Risklytics Umbrella and Excess Liability Insurance Quotes?
- If your main exposure is Tech E&O, ask Risklytics what it can place over it. 2
- Ask HUB which claims and litigation support comes with your placement. 1
- Ask HUB whether it charges any fee beyond premium. 1
- Ask both which insurer issues the layer, and whether robotics or AI work narrows your options. 2 1
HUB International vs Risklytics Umbrella and Excess Liability Compared
HUB International vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Risklytics Extra Limits (Umbrella) Insurance |
|---|---|---|
| Who It’s For | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 1Company-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. 2Company-reported. Lines page. |
| Coverage Features | 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. 1Company-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. 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 1Company-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. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Risk Services | 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. 1Company-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. 2Company-reported. Lines page. |
