AIG vs Risklytics: General Liability Insurance

AIG names GL programs for selected sectors; Risklytics focuses its placement on robotics, autonomy and AI businesses facing customer, lease and site requirements.

What Are the Key Differences Between AIG and Risklytics General Liability Insurance?

Program rosters and robotics placements

AIG’s directory lists GL inside named programs for sectors including crane and rigging, manufactured housing and towing. Risklytics describes placing coverage with insurers that want robotics and hardware risks, for businesses approaching a lease, customer contract or site visit. A contractor or technology company should match its actual operations to the relevant AIG program or Risklytics carrier appetite before relying on either description. [1] [6]

Exposure and limits to document

Risklytics gives machinery-specific examples: a falling bracket damaging customer equipment or a visitor tripping at a demo. AIG’s program directory confirms GL components but does not explain covered operations or occurrence terms. If demonstrations or hardware installations create your exposure, ask each provider to map those activities to the quoted policy and any exclusions. [6] [1]

Limits for robotics and hardware

Risklytics cites $1 million per incident and $2 million annual aggregate as typical requested amounts, not guaranteed limits. AIG publishes no buyer-specific GL limits in the reviewed program directory. Treat those figures as a starting specification only: obtain the actual declarations from the Risklytics market and the AIG program administrator before matching contract requirements. [6] [1]

What Should You Confirm in AIG and Risklytics General Liability Insurance Quotes?

Which AIG program includes the exact robotics or hardware operations, and what forms, limits and exclusions apply?
Will the Risklytics carrier quote the requested $1 million/$2 million limits, and which policy exclusions address demos and equipment?

Provider coverage details

AIG

role: This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Risklytics

role: 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. About page; describes Risklytics' brokerage model generally, restated for this line.company-reportedSource ↗
coverage: 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). Lines page; the issued policy and declarations control actual coverage.company-reportedSource ↗
eligibility: 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. Lines page.company-reportedSource ↗
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. Lines page; actual limits are set on the bound policy.company-reportedSource ↗
services: 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. Lines page.company-reportedSource ↗
insurer: 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. Lines page and about page; no specific insurer is published for this line.company-reportedSource ↗Source ↗
application: 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. Pricing page describes the general application and fee process, not a line-specific form.company-reportedSource ↗Source ↗

Sources and records

01
AIG Programs Insurance
AIG · Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. · accessed 2026-09-30
02
Commercial Insurance Guide
California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16
03
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
04
Commercial General Liability Coverage Form
ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16
05
About Risklytics: who we are
Risklytics · “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts · accessed 2026-09-23
06
General Liability Insurance
Risklytics · Coverage line: General Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions · accessed 2026-09-23
07
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