--- title: "Risklytics vs Simply Business: General Liability Insurance" description: "Risklytics targets robotics and hardware risks with specialist carrier placement and publishes typical requested limits, while Simply Business offers an online quote for small-business examples." canonical: "https://spot.insure/compare/risklytics-vs-simply-business/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "risklytics-vs-simply-business" provider-a: "risklytics" provider-b: "simply-business" coverage-line: "general-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/risklytics-vs-simply-business/general-liability) ## Agent Guide **What this page is:** Focused comparison of Risklytics and Simply Business for General Liability 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 General Liability Insurance questions about Risklytics versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Risklytics vs Simply Business for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Risklytics or Simply Business? - What does Risklytics or Simply Business publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from Risklytics or Simply Business? **Key facts:** - Line: General Liability Insurance. Providers: Risklytics and Simply Business. - 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:** - [Risklytics vs Simply Business](https://spot.insure/compare/risklytics-vs-simply-business) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [Risklytics vs Simply Business Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line) - [Risklytics vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/risklytics-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics General Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs Risklytics General Liability Insurance](https://spot.insure/compare/aon-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) # Risklytics vs Simply Business: How Do They Compare for General Liability Insurance? Risklytics targets robotics and hardware risks with specialist carrier placement and publishes typical requested limits, while Simply Business offers an online quote for small-business examples. ## Research Scope and Use Use this comparison to evaluate Risklytics and Simply Business for General Liability 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 places robotics and hardware risks with specialist insurers and cites a typical $1 million per-incident, $2 million annual limit request. Simply Business describes general small-business examples and requires panel approval; neither figure is a guaranteed quote. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## 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. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.risklytics.ai/ "Insurance for Frontier Tech") [3](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [6](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [9](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Specialist appetite and stated limits Risklytics says it places general liability with insurers interested in robotics and hardware risks, and describes $1 million per incident and $2 million total per year as a typical requested limit, not a guarantee. Simply Business gives examples including sole proprietors, LLCs and independent contractors, without publishing comparable limit figures in this record. A hardware company should confirm both carrier appetite and the actual declarations limits rather than treating a typical request as an offer. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ### Application and producer involvement Risklytics uses an online application and says a licensed producer stays on the file until binding; its record says the carrier pays the commission from premium. Simply Business also starts online, but states panel approval is required before binding. Ask who will resolve underwriting questions and identify the insurer before relying on either quote. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## What to Confirm in General Liability Insurance Quotes - Ask Risklytics which specialist carrier is quoting and whether your actual per-occurrence and aggregate limits match the typical request. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") - Ask Simply Business which panel carrier accepts your hardware class and who handles open questions before approval. [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## Offering Details | Criteria | Risklytics General Liability Insurance | General liability insurance through Simply Business | | --- | --- | --- | | Role in This Line | 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. [1](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..) | Confirm in your quote. | | Issuing Insurer | 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. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [1](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..) | Confirm in your quote. | | Who It’s For | 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. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | Coverage Features | 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). [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | Limits and Retentions | 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. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | Confirm in your quote. | | Risk Services | 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. [4](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) | Confirm in your quote. | | How to Apply | 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. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](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..) | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | ## Full Comparison - [Risklytics vs Simply Business](https://spot.insure/compare/risklytics-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [Risklytics vs Simply Business Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-simply-business/inland-marine) - [Risklytics vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/risklytics-vs-simply-business/workers-compensation) - [AIG vs Risklytics General Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/general-liability) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) - [Alliance Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/general-liability) - [Amelia Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/general-liability) - [Aon vs Risklytics General Liability Insurance](https://spot.insure/compare/aon-vs-risklytics/general-liability) - [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability) ## Sources ### Risklytics 1. [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. 2. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 4. [General Liability Insurance](https://www.risklytics.ai/lines/liability/). Risklytics; Coverage line: General Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 5. [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. ### Simply Business 6. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 7. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 8. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page.. Accessed 2026-09-29. ### General Liability Insurance Guide 9. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 11. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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. ## 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). ## Simply Business Reviews Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/risklytics-vs-simply-business/general-liability.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)