Risklytics vs 
The Hartford Cyber Insurance
Risklytics places a single named cyber line with an unnamed carrier; The Hartford underwrites three separate cyber products scaled to business complexity.
What Is Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 1,2,3
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 6,7,8
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 10
Key Differences in Cyber Insurance
Underwriter vs. Placement Broker
The Hartford underwrites its own cyber products directly, choosing among three structures based on the buyer's complexity: a Data Breach and Cyber Virus and Malware endorsement on a Business Owner's Policy, stand-alone CyberChoice First Response for non-technology businesses, or FailSafe Technology Errors and Omissions for technology businesses. 9 Risklytics says it does not underwrite; it describes itself as a licensed producer that places its single named Cyber Liability line with outside carriers it does not name on its site. 1 4
One Product vs. a Tiered Lineup
Risklytics describes one cyber offering built around breach cleanup, notification costs and claims that follow a hack. 4 The Hartford's lineup varies by which of its three products a buyer selects, but across them lists incident response, cyber extortion negotiation and payment, data and system restoration, business interruption, notification and credit monitoring, and regulatory-inquiry defense and fines:
The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. 9Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.
Services Attached to the Policy
The Hartford gives its cyber policyholders 24/7 access to a Cyber Center offering security awareness training, attorney consultation, vendor contract review and advisories, plus a dedicated FirstResponse claims hotline. 9 Risklytics' reviewed page describes cyber as the easiest line for its clients to obtain with reasonable security basics in place, but does not describe a comparable ongoing monitoring or advisory service tied to the policy. 4
What to Confirm in Cyber Insurance Quotes
- Ask Risklytics which carrier will underwrite your bound policy, since its site names none. 4
- Ask The Hartford which of its three cyber structures applies to your business and why, since coverage and eligibility differ across them. 9
- Confirm whether The Hartford's quote includes third-party liability coverage, since its BOP-based and CyberChoice products route that risk through general liability rather than a dedicated third-party cyber grant. 9
- Ask Risklytics for its specific limit recommendation versus the "$1 million or more" figure it publishes for enterprise contracts. 4
- Get The Hartford's actual coverage limits and retentions in writing, since its page publishes only an average premium, not standard limits. 9
Offering Details
Risklytics vs The Hartford Cyber Insurance: documented features by provider
| Criteria | Risklytics Cyber Liability Insurance | The Hartford Cyber Insurance |
|---|---|---|
| Role in This Line | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability 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 sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. 9Company-reported. Cyber insurance product page as read 2026-09-23. |
| Issuing Insurer | Risklytics does not name the carrier that underwrites Risklytics Cyber Liability 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. |
| Who It’s For | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. 4Company-reported. Lines page. | The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. 9Company-reported. Cyber insurance product page as read 2026-09-23. |
| Coverage Features | Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. 4Company-reported. Lines page; the issued policy and declarations control actual coverage. | The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. 9Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. 4Company-reported. Lines page; actual limits are set on the bound policy. | The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. 9Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote. |
| Risk Services | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. 4Company-reported. Lines page. | The Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, data privacy and cybersecurity attorney consultation, third-party vendor contract review, cyber advisories and webinars. 9Company-reported. Cyber insurance product page as read 2026-09-23. |
| How to Apply | You start Risklytics Cyber Liability 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. |
| Claims Support | Not described in the reviewed sources. | The Hartford's Cyber Response Team is available 24/7 through a FirstResponse hotline (800-370-0605) or email (firstresponse@thehartford.com) to help policyholders respond to an active cyber incident. 9Company-reported. Cyber insurance product page as read 2026-09-23. |
Full Comparison
More Risklytics vs The Hartford Comparisons
Other Cyber Insurance Comparisons
Sources
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Cyber Liability Insurance. Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
The Hartford
- 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.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance 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.
- Cyber Insurance for Small Businesses. The Hartford; What Is Business Cyber Insurance?; Does My Business Need Cyber Insurance?; What Does Cyber Insurance Usually Cover?; What Is Not Covered; How Much Does Cyber Insurance Cost; The Hartford's Small Business Cyber Insurance Solutions (BOP add-on, CyberChoice First Response, FailSafe Technology E&O). Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
