---
title: "Resilience vs Risklytics: Cyber Insurance"
description: "Resilience advertises limits up to $20 million, Risk Operations Center monitoring, and Homeland of New York or Delaware as possible issuers. Risklytics places one cyber line through specialist insurers, cites a typical $1 million ask, and says there is no broker fee on top of premium."
canonical: "https://spot.insure/compare/resilience-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "resilience-vs-risklytics"
provider-a: "resilience"
provider-b: "risklytics"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Resilience and Risklytics for Cyber 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 Cyber Insurance questions about Resilience versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Resilience vs Risklytics for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Resilience or Risklytics?
- What does Resilience or Risklytics publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Resilience and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Resilience vs Risklytics](https://spot.insure/compare/resilience-vs-risklytics) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# Resilience vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more; Resilience advertises limits up to $20 million, primary or excess.

Resilience posts cyber limits up to $20 million and bundles threat monitoring with named Homeland issuers, while Risklytics places a single line online with a typical $1 million contract ask and no extra broker fee.

## Resilience vs Risklytics Cyber Insurance Summary

Resilience advertises limits up to $20 million, Risk Operations Center monitoring, and Homeland of New York or Delaware as possible issuers. Risklytics places one cyber line through specialist insurers, cites a typical $1 million ask, and says there is no broker fee on top of premium. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## What Are the Key Differences Between Resilience and Risklytics Cyber Insurance?

### A $20 Million Ceiling Versus a Typical $1 Million Ask

Resilience advertises cyber limits up to $20 million, primary or excess, with an eCrime sublimit up to $500,000. Risklytics lists a typical enterprise-contract ask of $1 million or more and does not post a $20 million ceiling. Choose Resilience if that higher posted limit and in-product monitoring fit; choose Risklytics if a $1 million-class contract ask and an online application with no extra broker fee are enough. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [6](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

### Named Issuers Versus Specialist Markets Unnamed

Resilience's U.S. disclosure names Ocrea Risk Services as distributor and Homeland Insurance Company of New York or Delaware as possible underwriters. Risklytics says it places with specialist insurers willing to write robotics, autonomy and AI risk, but the issuing carrier appears only on the bound policy. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### Monitoring Versus a Model-Output Carve-Out

Resilience pairs the policy with Risk Operations Center threat monitoring and AttackIQ simulations. Risklytics says the line does not respond to a model giving bad output with no breach, and it does not describe a monitoring bundle. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## What Should You Confirm in Resilience and Risklytics Cyber Insurance Quotes?

- Ask Resilience which Homeland company would issue the policy. [2](https://cyberresilience.com/disclaimer/ "Disclaimer")
- Ask Risklytics which specialist insurer would write it. [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Get actual limits; both posted figures are marketing ranges, not your quote. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## Resilience vs Risklytics Cyber Insurance Compared

| Criteria | Resilience Cyber Insurance | Risklytics Cyber Liability Insurance |
| --- | --- | --- |
| Limits and Retentions | Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote..) | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Who It’s For | Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range)..) | 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. [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Coverage Features | Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy..) | 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. [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Role in This Line | Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Cyber Insurance product page description of the combined offering, accessed 2026-09-23..) | 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. [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 | Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. [2](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published..) | 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. [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability 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..) |
| Risk Services | Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. [1](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "The Resilience Advantage" section of the cyber product page..) | 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. [4](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Resilience and Risklytics and Cyber Insurance

- [Resilience company profile](https://spot.insure/insurance-providers/resilience) · [Resilience customer reviews](https://spot.insure/insurance-providers/resilience/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Resilience vs Risklytics Cyber Insurance

- [Resilience vs Risklytics](https://spot.insure/compare/resilience-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Resilience Cyber Insurance](https://spot.insure/insurance-providers/resilience/cyber)
- [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber)

## Sources for Resilience vs Risklytics Cyber Insurance

### Sources About Resilience

1. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23.
2. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
3. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

### Sources About Risklytics

4. [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.
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. [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.

Updated 2026-09-25. 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/resilience-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)