Risklytics vs TechInsurance Umbrella and Excess Liability Insurance

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) 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 commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ⁸Company-reported. Umbrella insurance product page.

Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) 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 umbrella policy. ⁸Not publicly disclosed. Umbrella insurance product page as read on 2026-09-23.

Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. ⁴Company-reported. Lines page.

TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ⁸Company-reported. Umbrella insurance product page.

Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.

TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ⁸Company-reported. Umbrella insurance product page; general policy description, not a specific policy form.

TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ⁸Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ⁴Company-reported. Lines page; actual limits are set on the bound policy.

TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. ⁸Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. ⁴Company-reported. Lines page.

Not described in the reviewed sources.

You start Risklytics Extra Limits (Umbrella) 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.

Not described in the reviewed sources.