Risklytics vs 
Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?
What Is Risklytics Insurance?
Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. 1,2,3
Read the Risklytics Umbrella and Excess Liability Insurance page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
Read the Zurich U.S. Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
Requested Limits and Facility Capacity
Risklytics lists $1 million to $10 million as a typical request stacked over a client’s other policies; its page says actual limits are set on the bound policy. Zurich’s facility page accessed 2026-09-28 describes up to $100 million in shared claims-made excess casualty capacity. The figures are not equivalent: confirm the requested trigger, attachment, and participating facility capacity for your underlying program. 4 8
Carrier Relationships
Risklytics says it places umbrella coverage with outside carriers and that capacity depends on the strength of the underlying policies. Zurich describes a joint facility shared by Zurich, Chubb, and National Indemnity. Ask Risklytics to name its proposed issuing insurer and Zurich which participant would issue the facility layer, then compare how each coordinates with your primary carriers. 4 1 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Risklytics and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Risklytics Review Score
Review Score
No reviews found
Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read Risklytics reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsRisklytics vs Zurich U.S. Umbrella and Excess Liability Compared
Risklytics vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Risklytics Extra Limits (Umbrella) Insurance | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| Role in This Line | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) 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. | Confirm in your quote. |
| Issuing Insurer | Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) 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. | Confirm in your quote. |
| Who It’s For | Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. 4Company-reported. Lines page. | Confirm in your quote. |
| Coverage Features | Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. 4Company-reported. Lines page; the issued policy and declarations control actual coverage. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| Limits and Retentions | Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. 4Company-reported. Lines page; actual limits are set on the bound policy. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. 4Company-reported. Lines page. | Confirm in your quote. |
| How to Apply | You start Risklytics Extra Limits (Umbrella) 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. | Confirm in your quote. |
Related Pages for Risklytics vs Zurich U.S.
Umbrella and Excess Liability Pages for Risklytics and Zurich U.S.
Other Coverage Lines Compared for Risklytics vs Zurich U.S.
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Risklytics vs Zurich U.S.
Sources About Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Extra Limits (Umbrella) Insurance. Risklytics; Coverage line: Extra Limits (Umbrella); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
