Risklytics vs TechInsurance 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.

TechInsurance arranges inland marine insurance, also called tools and equipment insurance, as a form of property coverage sold as an add-on to another property policy such as a business owner's policy or commercial package policy, not as a standalone product. ⁸Company-reported. Inland marine product page.

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 reviewed page does not name the issuing insurer for an inland marine policy. ⁸Not publicly disclosed. Inland marine product page as read on 2026-09-23.

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.

TechInsurance targets inland marine coverage at businesses that ship property, transport high-value equipment, take tools to worksites, or store property off-site, naming construction contractors, photographers, cleaning services and IT professionals as example segments. ⁸Company-reported. Inland marine product page, Who needs inland marine insurance coverage? section.

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.

TechInsurance says inland marine coverage protects business property in transit or off-site storage, client property temporarily in the business's care (bailee coverage), equipment installed in a fixed but movable location such as a service truck, and high-value items that standard commercial property policies may exclude. ⁸Company-reported. Inland marine product page; general policy description, not a specific policy form.

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.

TechInsurance says its inland marine customers pay a median of $48 per month, with annual premiums ranging from about $150 to more than $4,500 depending on the value and type of insured property, coverage limits and deductible chosen, location, claims history and industry risk. ⁸Company-reported. Inland marine product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

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.

TechInsurance says you can add inland marine coverage to a business owner's policy or commercial package policy through its online application, and typically get a certificate of insurance within 24 hours after purchase. ⁸Company-reported. Inland marine product page, How do you purchase inland marine insurance? section.