---
title: "HUB International vs Risklytics Umbrella and Excess Liability Insurance"
description: "HUB places multi-industry casualty umbrella; Risklytics stacks $1–10 million extra limits, often for $5 million MSA or site-owner asks."
canonical: "https://spot.insure/compare/hub-international-vs-risklytics/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# HUB International vs Risklytics Umbrella and Excess Liability Insurance

HUB places multi-industry casualty umbrella; Risklytics stacks $1–10 million extra limits, often for $5 million MSA or site-owner asks.

## Research Scope and Use

Use this comparison to evaluate HUB International and Risklytics for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB brokers umbrella through casualty for transportation, construction, healthcare, hospitality, manufacturing and real estate, without publishing limit figures. Risklytics places Extra Limits (Umbrella) with outside carriers, typically $1 million to $10 million, often when an enterprise MSA or site owner asks for $5 million or more, and says the layer rarely sits over Tech E&O. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Umbrella and Excess Liability Insurance?

Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Umbrella and Excess Liability Insurance

### Multi-Industry Casualty Versus Contract-Driven Extra Limits

HUB brokers umbrella and excess through its casualty practice rather than underwriting. Risklytics describes itself as a licensed producer that places Extra Limits (Umbrella) with outside carriers and does not underwrite. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

HUB describes catastrophic settlements that exceed underlying general liability, auto or employers’-liability limits. Risklytics describes stacking extra limits, commonly over general liability, commercial auto and employer’s liability, when a contract demands higher limits than the primary, and says it rarely sits over Tech E&O. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

### Dollar Triggers and Capacity

Risklytics lists a typical ask of $1 million to $10 million and says the usual trigger is the first contract demanding more coverage than the primary, often an enterprise MSA or a site owner asking for $5 million or more. HUB does not publish those bands; its eligibility story is industry lists rather than a $5 million contract number. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

Risklytics says the line needs the right insurers because umbrella capacity follows the strength of the underlying policies, and it places business with specialist insurers willing to write robotics, autonomy and AI risk. HUB describes extensive carrier relationships and risk-services, claims, litigation and analytics, without naming robotics or AI markets. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

You start Risklytics Extra Limits through an online application; it says there is no broker fee on top of the premium. HUB’s casualty page does not describe that fee statement or an online bind path for this line. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Risklytics whether Tech E&O can sit under the extra limits if that is your primary. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Ask HUB which named industries and claims or litigation support apply. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Compare the quoted limit with Risklytics’ $1–10 million typical range and any $5 million site-owner ask. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Confirm issuing carriers and whether robotics or AI operations change market appetite. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## Offering Details

| Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Risklytics Extra Limits (Umbrella) Insurance |
| --- | --- | --- |
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [HUB International vs Risklytics Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-risklytics/commercial-property)
- [HUB International vs Risklytics Cyber Insurance](https://spot.insure/compare/hub-international-vs-risklytics/cyber)
- [HUB International vs Risklytics D&O Insurance](https://spot.insure/compare/hub-international-vs-risklytics/directors-officers)
- [HUB International vs Risklytics General Liability Insurance](https://spot.insure/compare/hub-international-vs-risklytics/general-liability)
- [HUB International vs Risklytics Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-risklytics/inland-marine)
- [HUB International vs Risklytics Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-risklytics/technology-errors-omissions)
- [HUB International vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-risklytics/workers-compensation)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess)
- [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)
- [CFC vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-risklytics/umbrella-excess)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.

### Risklytics

5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [Extra Limits (Umbrella) Insurance](https://www.risklytics.ai/lines/umbrella/). Risklytics; Coverage line: Extra Limits (Umbrella); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

10. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/hub-international-vs-risklytics/umbrella-excess.md)
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