Liberty Mutual vs Risklytics: How Do They Compare for Inland Marine Insurance?

Liberty Mutual lists Inland Marine in its property portfolio and maintains a separate inland-marine product page. ^3,4Company-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 Equipment (Inland Marine) 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.

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Risklytics does not name the carrier that underwrites Risklytics Equipment (Inland Marine) 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.

The page frames inland marine for companies with assets on the move; it does not identify the applicant, cargo, territory or transit conditions that a specific policy will cover. ^3,4Company-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 the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. ⁸Company-reported. Lines page.

The product page describes protection for assets under construction or frequently moved, including construction projects, inventory in transit, jobsite equipment and subcontractor-stored materials. ^3,4Company-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 frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. ⁸Company-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. ^3,4Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.

Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. ^3,4Company-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” and is placeable once every equipment unit is listed with a real value. ⁸Company-reported. Lines page.

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You start Risklytics Equipment (Inland Marine) 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.