---
title: "Nationwide vs Risklytics: Inland Marine Insurance"
description: "Nationwide describes inland marine for mobile and stored property; Risklytics focuses on robotics equipment away from premises and lists replacement-cost schedules."
canonical: "https://spot.insure/compare/nationwide-vs-risklytics/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-risklytics"
provider-a: "nationwide"
provider-b: "risklytics"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/nationwide-vs-risklytics/inland-marine)

## Agent Guide

**What this page is:** Focused comparison of Nationwide and Risklytics for Inland Marine 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 Inland Marine Insurance questions about Nationwide 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:**
- Nationwide vs Risklytics for Inland Marine Insurance: how do they differ?
- Which is better for Inland Marine Insurance, Nationwide or Risklytics?
- What does Nationwide or Risklytics publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Inland Marine Insurance from Nationwide or Risklytics?

**Key facts:**
- Line: Inland Marine Insurance. Providers: Nationwide 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:**
- [Nationwide vs Risklytics](https://spot.insure/compare/nationwide-vs-risklytics) — parent: all coverage lines for this pair
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — coverage explainer for this line
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence)
- [Nationwide vs Risklytics Cyber Insurance](https://spot.insure/compare/nationwide-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Risklytics D&O Insurance](https://spot.insure/compare/nationwide-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs Risklytics General Liability Insurance](https://spot.insure/compare/nationwide-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Inland Marine Insurance](https://spot.insure/compare/aig-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics Inland Marine Insurance](https://spot.insure/compare/aig-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Risklytics Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Risklytics Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line)

# Nationwide vs Risklytics: How Do They Compare for Inland Marine Insurance?

Nationwide describes inland marine for mobile and stored property; Risklytics focuses on robotics equipment away from premises and lists replacement-cost schedules.

## Research Scope and Use

Use this comparison to evaluate Nationwide and Risklytics for Inland Marine 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 describes coverage for robotics damaged or stolen at customer sites or in transit, with each unit insured for replacement cost. Nationwide describes broader property protection while moving or at jobsites. [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

## What Is Nationwide?

Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [2](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [3](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## 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. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

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

## What Is Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## Key Differences in Inland Marine Insurance

### Robotics equipment and valuation

Risklytics frames inland marine around robotics equipment damaged or stolen away from the company's premises, such as a demo unit crushed at a customer site or a crated robot stolen in transit. It says each unit is typically listed at replacement cost rather than using one blanket amount. Nationwide describes protection for equipment, materials, and property while moving, stored, or at jobsites. If you deploy units at pilots or customer locations, compare per-unit schedules and off-premises terms. [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

### Specialist insurer and intake

Risklytics says it places the line with specialist outside carriers, does not name the issuer before binding, and takes an online application with a licensed producer staying on the file. Nationwide directs prospects to an agent or quote request. Ask each provider how it will value new units and what information is needed before coverage can bind. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

## What to Confirm in Inland Marine Insurance Quotes

- Ask Risklytics for scheduled replacement values, carrier identity, and site/transit terms; ask Nationwide how robotics units and customer-site exposures are valued.

## Offering Details

| Criteria | Nationwide inland marine (official overview) | Risklytics Equipment (Inland Marine) Insurance |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering inland marine for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: inland marine marketed by nationwide; 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 Equipment (Inland Marine) Insurance with outside carriers; it says it does not underwrite policies itself. [5](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 Equipment (Inland Marine) 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](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") [5](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 | Industries and risks named in the inland-marine page; exact eligibility is account-specific. [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: inland marine marketed by nationwide; 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 the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Coverage Features | The cited product page describes specialized protection for equipment, materials, construction projects, and other property while moving, stored, or at a jobsite. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: inland marine marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | Risklytics frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) 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. [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (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 says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) 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” and is placeable once every equipment unit is listed with a real value. [8](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [4](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: inland marine marketed by nationwide; 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 Equipment (Inland Marine) 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](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

- [Nationwide vs Risklytics](https://spot.insure/compare/nationwide-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [Nationwide vs Risklytics Cyber Insurance](https://spot.insure/compare/nationwide-vs-risklytics/cyber)
- [Nationwide vs Risklytics D&O Insurance](https://spot.insure/compare/nationwide-vs-risklytics/directors-officers)
- [Nationwide vs Risklytics General Liability Insurance](https://spot.insure/compare/nationwide-vs-risklytics/general-liability)
- [AIG vs Nationwide Inland Marine Insurance](https://spot.insure/compare/aig-vs-nationwide/inland-marine)
- [AIG vs Risklytics Inland Marine Insurance](https://spot.insure/compare/aig-vs-risklytics/inland-marine)
- [Alliance Risk vs Nationwide Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/inland-marine)
- [Alliance Risk vs Risklytics Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Nationwide Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Risklytics Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine)

## Sources

### Nationwide

1. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29.
2. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29.
3. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29.
4. [Insurance for Inland Marine – Nationwide](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Key products and coverages; mobile/specialized property, equipment, materials, and transit.. Accessed 2026-09-30.

### Risklytics

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

### Inland Marine Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
11. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. 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.

## Nationwide Reviews

Review Score: 7.8 / 10 from 4 rated sources, equally weighted.

Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.

- NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance)
- J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm)
- Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com)
- ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html)
- ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html)
- BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints)
- BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/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/nationwide-vs-risklytics/inland-marine.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)