Risklytics vs The Hartford General Liability Insurance

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General 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's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ⁹Company-reported. General liability product page as read 2026-09-23.

Risklytics does not name the carrier that underwrites Risklytics General 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.

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Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ⁴Company-reported. Lines page.

The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ⁹Company-reported. General liability product page as read 2026-09-23.

Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.

The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ⁹Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.

Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. ⁴Company-reported. Lines page; actual limits are set on the bound policy.

The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. ⁹Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ⁴Company-reported. Lines page.

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You start Risklytics General 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.

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The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. ¹⁰Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.