Risklytics vs THREE by Berkshire Hathaway: How Do They Compare for 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.

THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁸Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

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.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy.

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 reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

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.

THREE's Business Owners Policy page lists General Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. ^8,7Company-reported. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

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 reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

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.

Confirm in your quote.

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.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-reported. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.