RiskCube vs Risklytics General Liability Insurance

RiskCube brokers general liability coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ⁴Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate general liability landing page as of 2026-09-23.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including general liability, are underwritten and issued by third-party carriers it does not name. ³Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for general liability specifically.

Risklytics does not name the carrier that underwrites Risklytics General 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. ^8,5Company-reported. Lines page and about page; no specific insurer is published for this line.

RiskCube says general liability is "the policy behind most COIs required by landlords, event venues, and vendor contracts," framing it as the coverage startups typically need first to satisfy those counterparties. ⁴Company-reported. Catalogue General Liability card; specific landlord, venue or vendor requirements were not independently verified.

Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ⁸Company-reported. Lines page.

RiskCube describes general liability as covering bodily injury, property damage and advertising injury. ⁴Company-reported. Catalogue General Liability card summary.

Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ⁸Company-reported. Lines page; the issued policy and declarations control actual coverage.

RiskCube's catalogue does not publish specific limit or retention amounts for general liability. ⁴Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated general liability page was not available to check for a limits table.

Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

The reviewed catalogue page does not describe risk-control or other services specific to general liability. ⁴Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated general liability page was not available.

Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ⁸Company-reported. Lines page.

RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including general liability. ⁴Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not general-liability-specific.

You start Risklytics General 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. ^9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form.

The reviewed catalogue page does not describe claims handling specific to general liability. ⁴Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated general liability page was not available.

Not described in the reviewed sources.