Marsh vs Risklytics: How Do They Compare for Cyber Insurance?

Marsh offers advisor-led placement and excess capacity above $200 million; Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more.

Marsh's Cyber ECHO facility can add more than $200 million of excess cyber capacity and its claims specialists advocate after an incident. Risklytics places one cyber line through outside insurers, says there is no broker fee on top of premium, and cites a typical $1 million contract ask. ^2,^7,⁶

What Are the Key Differences Between Marsh and Risklytics Cyber Insurance?

A Large Excess Tower Versus a Typical Contract Limit

Marsh built Cyber ECHO so a client can buy more than $200 million of excess cyber capacity, with a free first reinstatement. Risklytics instead cites a typical enterprise-contract ask of $1 million or more for this line and does not describe an excess facility of that scale. Choose Marsh if you need a tower far above a primary; choose Risklytics if a $1 million-class limit and an online application with no extra broker fee fit the contract you have to satisfy. ² ⁵ ⁷

Claims Advocacy Versus a Producer Who Stays Until Bind

Marsh's global claims specialists review cyber claims, support litigation management and work with forensic accountants on proof of loss. Risklytics says a licensed producer stays on the file until the program binds and that its commission is paid by the carrier, with no broker fee on top of premium. ³ ⁷ ⁶

What Each Says Is Out of Scope

Risklytics says the line pays for breach cleanup, required notifications and claims after a hack or leak, and that it does not respond to a model giving bad output with no breach. Marsh's MMA page lists incident response, network interruption, extortion and privacy liability without that model-output carve-out. ⁵ ⁴

What Should You Confirm in Marsh and Risklytics Cyber Insurance Quotes?

Ask Marsh whether Cyber ECHO applies to an account your size. ²
Ask Risklytics which specialist insurer would write the policy. ⁵
Get actual limits; Risklytics' $1 million figure is a typical ask, not your quote. ⁵

Marsh vs Risklytics Cyber Insurance Compared

Marsh vs Risklytics: Cyber Insurance: documented features by provider

Criteria	Marsh Cyber Insurance Brokerage	Risklytics Cyber Liability Insurance
Limits and Retentions	Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ²Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.	Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. ⁵Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ⁴Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ⁵Company-reported. Lines page.
How to Apply	You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^1,⁴Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.	You start Risklytics Cyber 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. ^7,⁶Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ⁴Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ⁵Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ¹Company-reported. Marsh corporate cyber insurance product page. Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ⁴Company-reported. MMA cyber solutions page.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.