Risklytics vs 
Simply Business: How Do They Compare for Inland Marine Insurance?
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. 1,2,3
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. 6,7
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. 9,10
Key Differences in Inland Marine Insurance
Robotics equipment and valuation
Risklytics frames inland marine around robotics units damaged or stolen away from company premises, including a demo unit at a customer warehouse or a robot stolen in transit. It says each unit should be listed at replacement cost rather than relying on one blanket figure. Simply Business describes equipment and inventory away from the premises but does not specify robotics or valuation in its summary. Ask how each unit will be scheduled and valued. 4 8
Site requirements and insurer selection
Risklytics says buyers typically need coverage when a unit first leaves the building and that pilot agreements and site owners may require it; its producer places risks with specialist insurers. Simply Business names contractors, photographers and mobile groomers as examples and says eligibility depends on insurer and state. Robotics firms should show site and pilot requirements to both and confirm the issuing carrier before deployment. 1 7
What to Confirm in Inland Marine Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Risklytics
Review Score
No reviews found
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.[10][1][6]
Read Risklytics reviewsSimply Business
Review Score
4 rated sources
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.[6][10][7]
Read Simply Business reviewsOffering Details
Risklytics vs Simply Business: Inland Marine Insurance: documented features by provider
| Criteria | Risklytics Equipment (Inland Marine) Insurance | Inland-marine insurance through Simply Business |
|---|---|---|
| Role in This Line | 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. 1Company-reported. 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 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. 4,1Company-reported. 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 the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. 4Company-reported. Lines page. | The company gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. 8Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | 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. 4Company-reported. Lines page; the issued policy and declarations control actual coverage. | Simply Business describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. 8Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. 4Company-reported. Lines page; actual limits are set on the bound policy. | Confirm in your quote. |
| Risk Services | Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. 4Company-reported. Lines page. | Confirm in your quote. |
| How to Apply | 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. 5,1Company-reported. Pricing page describes the general application and fee process, not a line-specific form. | The page describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. 8,7Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More Risklytics vs Simply Business Comparisons
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Sources
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Equipment (Inland Marine) Insurance. 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.
- How pricing and broker fees work. 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
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. 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.
- Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. 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.
