Risklytics vs TechInsurance: How Do They Compare for Umbrella and Excess Liability Insurance?

Risklytics places umbrella with outside carriers, listing a typical request of $1 million to $10 million; TechInsurance arranges it only as an add-on, at a median $86 per month per $1 million.

Risklytics stacks $1 million to $10 million of extra limits when a contract asks for more than your primary, but rarely over Tech E&O. TechInsurance sells umbrella in $1 million steps and can boost a single policy such as E&O. ^1,⁴

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

Contract-Driven Layers Versus Budgeted Steps

Say a customer contract requires $5 million over your general liability, auto and employer's liability. Risklytics is a broker that shops that layer with outside insurers, and it says the layer rarely sits over Tech E&O. TechInsurance adds limits across those same policies in $1 million steps, at a median of $86 a month per $1 million. It also sells excess over a single policy, often E&O. Choose Risklytics if you need a larger layer negotiated for a specific contract; choose TechInsurance if you want a known price or need higher E&O limits. ² ¹ ⁴

Gaps to Plan Around

TechInsurance says its umbrella needs an active underlying policy. It doesn't cover property damage or intentional criminal acts like employee theft. Risklytics doesn't publish exclusions, so ask whether its insurer's form has the same gaps. ⁴ ¹

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

Ask Risklytics which insurer will write the layer and whether it will sit over your actual primary forms, including any Tech E&O. ¹ ²
Ask TechInsurance whether you're quoted umbrella over several policies or excess over one. ⁴
Ask Risklytics for exclusions to compare with TechInsurance's property-damage and employee-theft gaps. ⁴ ¹

Risklytics vs TechInsurance Umbrella and Excess Liability Compared

Risklytics vs TechInsurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Risklytics Extra Limits (Umbrella) Insurance	TechInsurance Commercial Umbrella Insurance
Limits and Retentions	Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ¹Company-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. ⁴Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Who It’s For	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. ¹Company-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. ⁴Company-reported. Umbrella insurance product page.
Coverage Features	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. ¹Company-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. ⁴Company-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). ⁴Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.
Role in This Line	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. ²Company-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. ⁴Company-reported. Umbrella insurance product page.