--- title: "Markel Insurance vs Risklytics: Umbrella and Excess Liability Insurance" description: "Risklytics describes an online application and a typical $1 million to $10 million layer for contract-driven needs; Markel describes small-business excess but does not publish a standard limit." canonical: "https://spot.insure/compare/markel-vs-risklytics/umbrella-excess" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "markel-vs-risklytics" provider-a: "markel" provider-b: "risklytics" coverage-line: "umbrella-excess" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/markel-vs-risklytics/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of Markel Insurance and Risklytics for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Markel Insurance versus Risklytics. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Markel Insurance vs Risklytics for Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, Markel Insurance or Risklytics? - What does Markel Insurance or Risklytics publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from Markel Insurance or Risklytics? **Key facts:** - Line: Umbrella and Excess Liability Insurance. Providers: Markel Insurance and Risklytics. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Markel Insurance vs Risklytics](https://spot.insure/compare/markel-vs-risklytics) — parent: all coverage lines for this pair - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line - [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence) - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [Markel Insurance vs Risklytics Commercial Property Insurance](https://spot.insure/compare/markel-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/markel-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/markel-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-risklytics/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line) # Markel Insurance vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance? Risklytics describes an online application and a typical $1 million to $10 million layer for contract-driven needs; Markel describes small-business excess but does not publish a standard limit. ## Research Scope and Use Use this comparison to evaluate Markel Insurance 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 Risklytics says its typical excess ask is $1 million to $10 million and starts with an online application, while Markel directs customers or brokers to its underwriting team without a universal limit. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") ## Markel Insurance: Specialty Business and Products Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [1](https://www.markel.com/about-us "About us") [2](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [Markel Insurance profile](https://spot.insure/insurance-providers/markel) ## What Is Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/ "Insurance for Frontier Tech") [6](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## What Is Umbrella and Excess Liability Insurance? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [12](https://www.coverdash.com/coverage "Coverage Hub") [13](https://kinro.com/products "Products") ## Key Differences in Umbrella and Excess Liability Insurance ### Typical Layer Size Risklytics lists a typical request of $1 million to $10 million over other policies, often prompted by a contract demanding higher limits. Markel’s overview describes added limits but does not publish a range. Treat the Risklytics figures as typical, not a quote, and ask Markel what it can offer above the same schedule. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") ### Underlying Policies Risklytics says its layer commonly sits above general liability, commercial auto, or employer’s liability and rarely above Tech E&O. Markel describes excess above primary policies but leaves qualifying lines to review. Buyers should list every underlying policy and ask each provider whether the same layer can attach. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") ### Application and Charges Risklytics describes an online application, no broker fee on top of premium, and a licensed producer who stays on the file through binding. Markel’s overview invites direct or broker contact but does not describe an online flow or fee terms. Compare service and compensation details in writing. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") ## What to Confirm in Umbrella and Excess Liability Insurance Quotes - Ask Risklytics whether your contract-driven limit and underlying lines fit its typical $1 million to $10 million range, and request premium and commission details. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") - Ask Markel for the limit, eligible underlying lines, named insurer, retention, and form offered for your submission. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") ## Offering Details | Criteria | Markel umbrella excess (official overview) | Risklytics Extra Limits (Umbrella) Insurance | | --- | --- | --- | | Role in This Line | Markel describes offering umbrella excess for the audience stated on the cited product page. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: umbrella excess 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 Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. [4](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 | Confirm in your quote. | 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. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [4](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 | Small-business risks within the page's casualty appetite; an umbrella placement depends on underlying coverage and risk review. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: umbrella excess 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 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. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) | | Coverage Features | The cited product page describes excess umbrella liability providing additional limits beyond primary policies, subject to the underlying coverage and policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: umbrella excess 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 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. [7](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 | 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. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Not publicly disclosed; scope: 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 to $10 million stacked on top of a client's other policies for this line. [7](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 | Confirm in your quote. | Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. [7](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) | | How to Apply | 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. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: umbrella excess 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 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. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](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 - [Markel Insurance vs Risklytics](https://spot.insure/compare/markel-vs-risklytics): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [Markel Insurance vs Risklytics Commercial Property Insurance](https://spot.insure/compare/markel-vs-risklytics/commercial-property) - [Markel Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/markel-vs-risklytics/cyber) - [Markel Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/markel-vs-risklytics/directors-officers) - [Markel Insurance vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-risklytics/workers-compensation) - [AIG vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-markel/umbrella-excess) - [AIG vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/umbrella-excess) - [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess) - [Amelia Risk vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/umbrella-excess) - [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess) - [Aon vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-markel/umbrella-excess) ## Sources ### Markel Insurance 1. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28. 2. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28. 3. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; Excess umbrella section; added liability limits beyond primary policies.. Accessed 2026-09-30. ### Risklytics 4. [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. 5. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 6. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 7. [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. 8. [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 9. [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. 10. [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. 11. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16. 12. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 13. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Markel Insurance Reviews Review Score: 7.5 / 10 from 2 rated sources, equally weighted. There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years. - J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com) - BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) - BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews). ## Risklytics Reviews Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/markel-vs-risklytics/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)