Risklytics vs StartupInsurance.ai

Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. ^2,3

StartupInsurance.ai identifies itself as a marketing brand of ContractorNerd Insurance Services, LLC. ContractorNerd describes its role as an insurance agent or broker, not an insurer; it does not underwrite the policies. ^13,16

ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. ^15,16

Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. ¹

Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. ⁶

The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. ¹⁴

Risklytics advertises no application charge or additional brokerage fee, says carriers pay commission from premiums, and offers to disclose its earnings on request. Its terms separately allow carrier or wholesaler compensation and carrier-set taxes and policy fees. No buyer-specific premium or commission amount is published on the pricing page. ^5,3

ContractorNerd discloses possible insurer/intermediary commissions, buyer-paid fees and contingent compensation. Fees can include platform, technology, policy-handling or consulting charges; not every charge applies to every policy. It says applicable fees are disclosed before binding or agreed before charging. A technology access fee, if charged, is generally non-refundable under its stated terms. Request the agreement and amounts applicable to your StartupInsurance.ai quote; the free review is not a promise of fee-free placement. ¹⁷

Risklytics says a broker remains on the account after placement and certificates can be issued against the binder. Its terms describe portal access to submissions, returned options and coverage records. The reviewed FAQ and contact page do not specify a renewal remarketing commitment or certificate turnaround guarantee. ^6,3,7

Risklytics provides a contact form and email support, advertising an email response within a day. That is its stated response target, not a measured service result or emergency claims commitment. ⁷

The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. ¹³

The company advertises self-service certificates, centralized policy documents and renewal tracking. These operating services were not tested in an authenticated account. ¹²

Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. ²

California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. ^2,3,11

ContractorNerd reports California property-and-casualty license 6015566 as active and says it is licensed in all 50 states. This is the agency’s own disclosure, not an independently verified regulator result. StartupInsurance.ai says availability varies by state, carrier and risk, with some surplus-lines placements; the reviewed sources do not establish a California route for every advertised product. ^15,13