Risklytics vs StartupInsurance.ai Inland Marine Insurance

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.

StartupInsurance.ai does not underwrite inland marine coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. ^9,10,8Company-reported. ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not inland-marine-specific placement terms.

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.

The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's inland marine policy. ⁸Not publicly disclosed. Carrier panel is program-wide rather than broken out by line; the insurer for an inland marine placement is not disclosed on the pages reviewed and varies by placement.

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 section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning inland marine as a line it places regularly for hardware-adjacent startups moving equipment between sites, rather than as a rare add-on. ⁸Company-reported. Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.

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.

StartupInsurance.ai lists Inland Marine among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The section lists Inland Marine and "Tools and Equipment" separately, suggesting the two are treated as distinct offerings on this page. ⁸Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe specific coverage terms, forms or exclusions, and does not explain how it distinguishes inland marine from the adjacent tools-and-equipment listing.

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.

The reviewed pages do not publish sample inland marine limits, scheduled-equipment values or deductibles. ^8,7Not found in reviewed sources. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

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.

Not described in the reviewed sources.

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 physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating inland marine is discussed with a specialist rather than quoted through a self-serve form. ⁸Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.

The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Inland Marine is not one of them, so it is not part of that self-serve intake flow. ⁷Not found in reviewed sources. Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line.