Risklytics vs The Hartford Commercial Property Insurance

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property 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.

The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. ⁹Company-reported. Commercial property product page as read 2026-09-23.

Risklytics does not name the carrier that underwrites Risklytics Commercial Property 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.

Not described in the reviewed sources.

Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. ⁴Company-reported. Lines page.

The Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. ⁹Company-reported. Commercial property product page as read 2026-09-23.

Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.

The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. ⁹Company-reported. Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls.

Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. ⁴Not publicly disclosed. Lines page, checked 2026-09-23.

The Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. ⁹Company-reported. Company-reported average and deductible range as of 2026-09-23; not a specific quote.

Risklytics calls commercial property the most standardized, easy-to-get policy it places. ⁴Company-reported. Lines page.

Not described in the reviewed sources.

You start Risklytics Commercial Property 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.

Not described in the reviewed sources.

The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. ⁹Company-reported. Commercial property product page as read 2026-09-23. Describes intake, not claim outcomes.