Risklytics vs TechInsurance: How Do They Compare for General Liability Insurance?

TechInsurance arranges general liability for small businesses that deal with the public and reports a median of $45 per month; Risklytics is a licensed producer placing it with carriers wanting robotics and hardware risk.

Risklytics lists a typical ask of $1M per incident and $2M aggregate for hardware and robotics risk, while TechInsurance reports that about 90% of its small-business customers pick the same combination at a median premium of $45 a month. ^1,⁴

What Are the Key Differences Between Risklytics and TechInsurance General Liability Insurance?

Who Each Is Built For

Risklytics places general liability specifically with carriers willing to write robotics, autonomy and hardware risk, aimed at companies whose machines operate around people. ¹ TechInsurance instead targets small businesses that interact with the public generally, such as those with store or office visitors, client-site work, or online advertising. ⁴

What the Numbers Show

Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a common requested figure rather than a guaranteed limit:

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. ¹Company-reported. Lines page; actual limits are set on the bound policy.

TechInsurance instead reports that nearly 90% of its customers choose that same $1 million/$2 million combination, at a median premium of $45 a month, based on its own book of business. ⁴

What the Base Policy Excludes

Risklytics draws a specific line: general liability responds to third-party injury or property damage, not to a customer's financial loss from a product failure, which it says falls under Tech E&O instead. ¹ TechInsurance instead treats product liability as sometimes included in the base policy and sometimes available only by endorsement, so it is worth confirming which applies. ⁴

What Should You Confirm in Risklytics and TechInsurance General Liability Insurance Quotes?

Ask Risklytics which specialist carrier is underwriting your policy, since it names none publicly. ¹
Ask TechInsurance which carrier from its quote set is issuing your specific policy. ⁴
If your business involves hardware operating near people, ask whether that changes eligibility or pricing with either company. ¹
Ask TechInsurance whether product liability is included in your quote or requires an endorsement. ⁴

Risklytics vs TechInsurance General Liability Insurance Compared

Risklytics vs TechInsurance: General Liability Insurance: documented features by provider

Criteria	Risklytics General Liability Insurance	TechInsurance Commercial General Liability Insurance
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. ¹Company-reported. Lines page; actual limits are set on the bound policy.	TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. ⁴Company-reported. General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate table.
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. ¹Company-reported. Lines page.	TechInsurance targets general liability at small businesses that interact with the public, including those that let customers into a store or office, visit clients' homes or businesses, handle client property, sell products, or advertise online. ⁴Company-reported. General liability product page.
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. ^3,²Company-reported. Pricing page describes the general application and fee process, not a line-specific form.	You request general liability quotes online through a short application; TechInsurance says licensed agents in all 50 states are available to help pick a policy, and a certificate of insurance is typically available the same day you buy coverage. ⁴Company-reported. General liability product page application and certificate sections.
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). ¹Company-reported. Lines page; the issued policy and declarations control actual coverage.	TechInsurance says general liability insurance covers third-party bodily injury, property damage, copyright infringement, defamation (libel or slander), and often includes product liability coverage or the option to add it by endorsement. ⁴Company-reported. General liability product page; general policy description, not a specific policy form.
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. ²Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.	TechInsurance arranges general liability insurance for small businesses and describes it as often the first policy small business owners buy. ⁴Company-reported. General liability product page.