--- title: "Risklytics vs The Hartford" description: "How Risklytics’ robotics and hardware brokerage, with California absent from its license table, differs from The Hartford’s SaaS insurer channel." canonical: "https://spot.insure/compare/risklytics-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Risklytics", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/risklytics-vs-the-hartford) # Risklytics vs The Hartford How Risklytics’ robotics and hardware brokerage, with California absent from its license table, differs from The Hartford’s SaaS insurer channel. ## Research Scope and Use Use this comparison to evaluate Risklytics and The Hartford against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Risklytics, Inc. dba Risklytics Insurance Services is a brokerage for robotics, autonomy, hardware and AI companies and publishes a limited state license table that does not list California. The Hartford underwrites small-business and SaaS insurance through subsidiaries and markets an explicit California quote path. [2](https://www.risklytics.ai/about/ "About Risklytics") [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") [14](https://www.thehartford.com/business-insurance/california "California Business Insurance") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Introduction A Bay Area robotics company is not interchangeable with a pure software shop on Hartford’s industry page. Risklytics exists to explain physical products, drones and space exposures to underwriters. Hartford’s public software-as-a-service path does not document that specialty. California is absent from Risklytics’ published license table; that is a gap in what Risklytics published, not proof it cannot place California—only that the route is not established there. [2](https://www.risklytics.ai/about/ "About Risklytics") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Documented Provider Strengths ### Risklytics - Risklytics says it prepares the application from your business description and website for your review. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) - Risklytics says it reviews technology E&O wording for AI exclusions before binding. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [13](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [34](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [13](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [19](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [18](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [28](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Risklytics | The Hartford | | --- | --- | --- | | Business owner’s policy | Not listed | Listed [20](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial auto | Not listed | Listed [28](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [22](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Not listed | Listed [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [24](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [31](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Not listed | Listed [35](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Not listed | Listed [27](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Fiduciary liability | Not listed | Listed [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [21](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [29](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [28](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Intellectual property | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Not listed | | Kidnap and ransom | Not listed | Listed [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Not listed | Listed [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Professional liability / E&O | Not listed | Listed [26](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Technology errors and omissions | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [25](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [24](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [34](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [32](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [33](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Listed [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed [23](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Risklytics and the Hartford ### Brokerage with a Short License List Versus CDI-Authorized Fire Risklytics arranges coverage; it is not the insurer. It publishes NPN 22311838, a Massachusetts resident license and a 10 September 2026 table of additional states that omits California. [2](https://www.risklytics.ai/about/ "About Risklytics") [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") Hartford Fire is independently authorized in California. Hartford still must underwrite the robotics class. [39](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") ### Hardware Catalogue Versus SaaS BOP Risklytics says it places GL, tech E&O, cyber, D&O, property, inland marine equipment, WC, umbrella, intellectual property and space-related coverages. Hartford inland marine is aimed at midsize and large accounts. Hartford FailSafe is software- and tech-services oriented. IP insurance at Risklytics is not Hartford FailSafe’s IP liability feature. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [34](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") ### How You Start Risklytics describes application preparation and market placement, not a public bindable cart. Hartford’s small-business portal is a public quote path for eligible classes. A hardware company may still need a specialty broker for robotics exposures, and may still need property coverage from a Hartford company only if that company will write the class. [6](https://www.risklytics.ai/faq/ "Questions founders ask") [19](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") ## What to Confirm in Quotes - **California producer** who would place Risklytics-marketed paper, if any. [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") - **Whether Hartford will underwrite robotics/hardware** or only SaaS-like classes. [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") - **Inland marine and IP** as separate policies versus E&O features. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") ## Service Comparison Risklytics vs The Hartford: documented services and availability. | Criteria | Risklytics | The Hartford | | --- | --- | --- | | Business role | Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. [2](https://www.risklytics.ai/about/ "About Risklytics") [3](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [15](https://www.thehartford.com/legal-notice "Legal Notice") [36](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [32](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [18](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | Customer focus | Risklytics markets to robotics, autonomous-vehicle, hardware, AI software and agent businesses, with additional industry pages for drones, space and defense contractors. Its emphasis is on explaining unfamiliar operations to insurance underwriters. [2](https://www.risklytics.ai/about/ "About Risklytics") [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) | The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [13](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [35](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [34](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) | | Coverage lines | Risklytics says it places general liability, technology errors and omissions (E&O), cyber, directors and officers, commercial property, inland marine equipment, workers’ compensation, umbrella, intellectual property and space insurance. These are advertised placement categories, not a single package or a guarantee of availability. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Direct service catalogue headed The lines we place. Technology E&O is not double-counted as generic professional E&O. Space has no existing shared coverage key and remains in this fact.; verified: 2026-09-16.)

Risklytics says it reads technology E&O forms before binding and warns that AI exclusions can affect the result. Its product page is a general description, not a specimen policy or confirmation that a particular AI failure is covered. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

The advertised IP line discusses both infringement defense and enforcement of owned rights. The space line discusses pre-launch hardware, launch, in-orbit risks and related liability. Neither description establishes that every component is included in a quoted policy. [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [10](https://www.risklytics.ai/lines/space/ "Space insurance, explained") [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Specialty categories confirmed by direct placement catalogue; product-page examples are explanatory, not guaranteed insuring agreements.; verified: 2026-09-16.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [20](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [24](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [25](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [26](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [27](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [28](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [29](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [32](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [35](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [34](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [27](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | | Availability | Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. [2](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)

California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. [2](https://www.risklytics.ai/about/ "About Risklytics") [3](https://www.risklytics.ai/terms/ "Terms of Service") [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.; verified: 2026-09-16.) | The Hartford states that products are not available in all states or for all businesses, and that listing a writing company as authorized to transact insurance does not guarantee that coverage will be offered. Workers’ compensation pages also say that in some states coverage can be bought only from a state-run program, not from a private insurer such as The Hartford. [13](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [15](https://www.thehartford.com/legal-notice "Legal Notice") [23](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [20](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") (Evidence: Company-reported; scope: Company availability footnotes and workers’ compensation quiz copy as of 16 September 2026. The reviewed pages did not publish a complete product-by-state matrix for SaaS or BOP.; verified: 2026-09-16.)

The Hartford operates a California small-business insurance page that lists BOP, general liability, workers’ compensation, commercial auto, commercial property and professional liability and says California buyers can get a quote online or by phone. Hartford Fire Insurance Company is independently listed by the California Department of Insurance as an authorized property-and-casualty insurer (NAIC 19682). Those facts do not identify which affiliate would issue a particular California policy or whether a given SaaS risk will be accepted. [14](https://www.thehartford.com/business-insurance/california "California Business Insurance") [39](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [15](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Company-reported; scope: Company California marketing plus CDI company profile accessed 16 September 2026. Office location and nationwide authorization tables were not treated as product eligibility.; verified: 2026-09-16.) | | Application process | Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. [6](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [13](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [12](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [19](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [18](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [28](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [30](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | ## Related Reading - [What Is Risklytics Insurance?](https://spot.insure/insurance-providers/risklytics) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Risklytics Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Risklytics Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Risklytics Insurance](https://spot.insure/compare/armilla-vs-risklytics) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Risklytics Insurance](https://spot.insure/compare/at-bay-vs-risklytics) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - 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[The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch) - [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage) ## Sources ### [Risklytics Official Website](https://www.risklytics.ai/) 1. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 2. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. 3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16. 4. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16. 5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16. 6. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16. 7. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16. 8. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16. 9. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16. 10. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16. 11. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16. ### [The Hartford Official Website](https://www.thehartford.com) 12. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 13. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 14. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 15. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 16. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 17. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 18. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 19. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 20. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 21. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 22. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 23. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 24. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 25. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 26. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 27. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 28. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 29. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 30. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 31. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 32. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 33. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 34. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 35. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 36. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 37. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 38. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 39. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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