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

Markel describes offering general liability for the audience stated on the cited product page. ³Company-reported. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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.

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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.

IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. ³Company-reported. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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 cited product page describes general liability with advertising and personal injury coverage available on an occurrence or claims-made basis for the IT-professional classes on this page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ³Company-reported. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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 overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. ³Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.

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.

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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.

The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. ³Company-reported. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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.