Liberty Mutual vs Risklytics: How Do They Compare for General Liability Insurance?

Liberty Mutual Business Insurance markets a General Liability product. ³Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

Confirm in your quote.

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. ^7,4Company-reported. Lines page and about page; no specific insurer is published for this line.

The page covers commercial-business liability solutions and describes risk-management and claims support; applicant classes and state availability depend on the quote. ³Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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. ⁷Company-reported. Lines page.

The product page describes bodily-injury, personal-injury, advertising-injury and property-damage exposures, plus product-injury claims; it does not establish the terms of a specific policy. ³Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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). ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.

The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ³Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.

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. ⁷Company-reported. Lines page; actual limits are set on the bound policy.

Liberty Mutual describes risk-control support and a general-liability claims team as part of its business-liability service model. ³Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

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. ⁷Company-reported. Lines page.

Confirm in your quote.

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. ^8,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form.