Lockton vs Risklytics Commercial Property Insurance

Lockton's property team negotiates commercial property placements directly with underwriters rather than through a centralized broking center, and says the same team that meets a client also negotiates with the market on their behalf. ⁴Company-reported. Property product page as read 2026-09-23.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property 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 property page does not name the insurers Lockton places commercial property coverage with; it describes relationships across the global marketplace in general terms only. ⁴Not publicly disclosed. Property product page checked 2026-09-23.

Risklytics does not name the carrier that underwrites Risklytics Commercial Property 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.

Not described in the reviewed sources.

Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. ⁸Company-reported. Lines page.

Lockton says it can tailor its own proprietary manuscript property policy to a client's coverage needs, rather than only placing standard-form property policies. ⁴Company-reported. Property product page as read 2026-09-23. The manuscript form's actual wording and how it compares to standard forms was not published on this page.

Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). ⁸Company-reported. Lines page; the issued policy and declarations control actual coverage.

Not described in the reviewed sources.

Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. ⁸Not publicly disclosed. Lines page, checked 2026-09-23.

Lockton lists specific property services: detailed review of coverage terms, conditions and policy wordings; retention analysis for deductible selection; exposure and stratification-of-value analysis; catastrophic modeling; preparation of underwriting specifications; and assistance with complex claim recovery. ⁴Company-reported. Property product page as read 2026-09-23. These are described capabilities, not a guarantee of outcome on any specific account.

Risklytics calls commercial property the most standardized, easy-to-get policy it places. ⁸Company-reported. Lines page.

Not described in the reviewed sources.

You start Risklytics Commercial Property 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.