Risklytics vs USI Insurance Services 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.

USI is a broker for commercial property insurance. Its property & casualty team places property coverage for clients rather than underwriting it, and its Technology practice separately places property, business-income and contingent business-income coverage for technology clients. ^9,7Company-reported. Property & Casualty and Technology practice pages.

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.

Neither page names the insurers USI uses for commercial property placements. ⁹Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's property & casualty team describes serving middle-market clients across many named industries (including construction, hospitality, real estate and manufacturing-adjacent sectors), while its Technology practice specifically serves software, hardware, networking, semiconductor and communications companies from early seed stage through IPO. ^9,7Company-reported. Company description of client segments for each practice.

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.

USI's Technology practice itemizes property, business income and contingent business income as distinct placement components; its broader property & casualty team lists "Property Coverage" among the risk exposures it advises on. ^7,9Company-reported. Practice pages' coverage lists; actual insuring agreements, valuation basis 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.

Neither page publishes property limit, deductible or valuation figures. ⁹Not publicly disclosed. Pages as read on 2026-09-23.

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

USI says its property & casualty resource team includes dedicated property analysts and risk control specialists who use its USI ONE analytics process to identify and target property risk exposures. ⁹Company-reported. Company description of team composition and process; outcomes are not independently verified.

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.

USI directs commercial property inquiries to pcinquiries@usi.com or a local USI office. ^9,7Company-reported. Contact instructions on the Property & Casualty and Technology pages.