Risklytics vs Zurich U.S.: 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.

Zurich's domestic casualty page lists General Liability in its U.S. commercial casualty portfolio and describes both bundled and unbundled casualty solutions. ⁸Company-reported. Zurich U.S. company marketing. This does not identify the risk-bearing legal entity for a specific policy or establish that every coverage is available in every state.

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 reviewed commercial casualty and program pages do not name the issuing insurer for a particular General Liability quote. ^8,10Not publicly disclosed. Zurich U.S. markets through multiple insurance companies; confirm the entity shown on the quote and issued declarations.

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.

Zurich lists General Liability in a commercial-trade-contractors captive program, a segment-specific example rather than a general eligibility statement for all Zurich liability placements. ¹⁰Company-reported. One company-described commercial contractors program. Its submission and underwriting requirements do not establish eligibility under other Zurich products or for a particular applicant.

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.

Zurich's commercial insurance overview describes general liability as addressing bodily injury, property damage, and personal-injury claims related to business premises or operations. ⁹Company-reported. High-level company description only; it is not an insuring agreement, and the issued policy defines covered claims, exclusions, conditions, and limits.

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 overview pages do not establish a buyer-specific General Liability limit, retention, or deductible. ^8,9Not publicly disclosed. No amount is inferred from general product descriptions. The quote and issued policy determine the applicable limits and deductibles.

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.

For its casualty solutions, Zurich describes support from Risk Engineers and its Claims team, with access to medical-management and legal services. ⁸Company-reported. Broad company-described casualty services; a quote or policy may define which services and claims contacts apply to the insured.

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.

Zurich directs commercial buyers to talk with an agent or broker about its coverage. ^9,7Company-reported. Company route for U.S. commercial insurance. The cited pages do not establish an online direct purchase flow or guarantee that a quoted line will be bound.