---
title: "Marsh vs Risklytics Cyber Insurance"
description: "Risklytics publishes a no-broker-fee pricing structure and a typical enterprise ask of $1 million or more, while Marsh's pages focus on named brokerage leaders and excess capacity."
canonical: "https://spot.insure/compare/marsh-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-risklytics/cyber)

# Marsh vs Risklytics Cyber Insurance

Risklytics publishes a no-broker-fee pricing structure and a typical enterprise ask of $1 million or more, while Marsh's pages focus on named brokerage leaders and excess capacity.

## Research Scope and Use

Use this comparison to evaluate Marsh and Risklytics for Cyber 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 it charges no broker fee on top of premium and cites a typical enterprise ask of $1 million or more, while Marsh names dedicated cyber brokerage leaders and can arrange over $200 million in excess capacity through Cyber ECHO. [13](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [9](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [9](https://www.risklytics.ai/about/ "About Risklytics: who we are") [10](https://www.risklytics.ai/ "Insurance for Frontier Tech") [11](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [14](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Fee Disclosure

Risklytics is explicit about how it is paid: it says there is no broker fee on top of the premium, and its commission is instead paid by the carrier out of the premium.

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. [13](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [9](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..)

Marsh's reviewed pages describe named cyber brokerage leaders who design placements but do not disclose a comparable fee or commission structure. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")

### Scale of Client Each Firm Addresses

Marsh's Cyber ECHO facility can arrange more than $200 million in excess cyber capacity per client, sourcing underwriting from Lloyd's syndicates, company markets or Bermuda-based insurers. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") Risklytics instead cites a typical enterprise ask of $1 million or more, describing the point at which enterprise or government contracts require the coverage rather than an excess-capacity ceiling. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

### AI-Aware Policy Language

Risklytics frames its cyber coverage around breach cleanup and claims following a hack or leak, while explicitly saying the policy does not respond to a model giving bad output with no breach involved. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") Marsh's reviewed pages describe cyber coverage through MMA's list of incident response, network interruption and privacy liability, without addressing AI-model-specific scenarios. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA")

## What to Confirm in Cyber Insurance Quotes

- Ask Risklytics whether the $1 million figure matches what your specific enterprise contracts require. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- If you need capacity beyond what Risklytics' standard-market carriers can provide, ask Marsh how its Cyber ECHO facility could add excess layers. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")
- Get the issuing insurer from both; Risklytics names none for this line, and Marsh does not name one for a standard placement either. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")
- If your business relies on AI models, confirm how each policy treats a model-output incident that does not involve a breach. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## Offering Details

| Criteria | Marsh Cyber Insurance Brokerage | Risklytics Cyber Liability Insurance |
| --- | --- | --- |
| Role in This Line | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") (Evidence: Company-reported; scope: Marsh corporate cyber insurance product page..)<br><br>Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [9](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 | The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Not publicly disclosed; scope: Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places..) | Risklytics does not name the carrier that underwrites Risklytics Cyber 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. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [9](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 | 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. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Company-reported; scope: 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. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. [12](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: 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. [13](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [9](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..) |
| Claims Support | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") (Evidence: Company-reported; scope: Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Marsh vs Risklytics](https://spot.insure/compare/marsh-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Marsh vs Risklytics Commercial Property Insurance](https://spot.insure/compare/marsh-vs-risklytics/commercial-property)
- [Marsh vs Risklytics D&O Insurance](https://spot.insure/compare/marsh-vs-risklytics/directors-officers)
- [Marsh vs Risklytics Intellectual Property Insurance](https://spot.insure/compare/marsh-vs-risklytics/intellectual-property)
- [Marsh vs Risklytics Tech E&O Insurance](https://spot.insure/compare/marsh-vs-risklytics/technology-errors-omissions)
- [Marsh vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-risklytics/workers-compensation)
- [Alliance Risk vs Marsh Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/cyber)
- [Alliance Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/cyber)
- [Amelia Risk vs Marsh Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/cyber)
- [Amelia Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/cyber)
- [At-Bay vs Marsh Cyber Insurance](https://spot.insure/compare/at-bay-vs-marsh/cyber)
- [At-Bay vs Risklytics Cyber Insurance](https://spot.insure/compare/at-bay-vs-risklytics/cyber)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort, Cyber ECHO; Rachel Lavender, US and Canada Cyber Brokerage Leader. Accessed 2026-09-23.
6. [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html). Marsh; New for 2026: over $200 million capacity; free first reinstatement and paid second reinstatement; one underwriting lead and two claims leads per panel; Lloyd's, company markets or Bermuda-based insurers. Accessed 2026-09-23.
7. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Global claims specialists negotiating cyber coverage issues; proof of loss with forensic accountants. Accessed 2026-09-23.
8. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Benefits of Cyber: understand, mitigate, respond, recover; Cyber Coverage list (incident investigation and response, network interruption, extortion/ransomware, data restoration, security and privacy liability, additional coverages); FAQ: Who needs cyber insurance coverage?. Accessed 2026-09-23.

### Risklytics

9. [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.
10. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
11. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
12. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
13. [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.

### Cyber Insurance Guide

14. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-vs-risklytics/cyber.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)