Risklytics vs Travelers 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.

Travelers underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. ⁹Company-reported. Product page tier descriptions.

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.

Travelers offers small business property coverage bundled into its Business Owner's Policy for classes such as contractors, healthcare, retail, restaurants and technology services, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large, specialized or high-value risks. ⁹Company-reported. Product page small, midsized and large/specialty business sections.

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.

Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. ⁹Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy.

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.

Travelers says its excess property market typically attaches at $1,000,000 or greater; standard-tier limits and deductibles are not published and depend on the quote. ⁹Company-reported. Product page "Excess property market" section.

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

Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. ⁹Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections.

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.

Commercial property coverage is bought through a Travelers independent agent, who can help choose between replacement-cost and actual-cash-value coverage and confirm what a lease requires. ⁹Company-reported. Product page purchasing and lease-review FAQs.