CNA vs Risklytics: General Liability Insurance

Placing GL with carriers that want robotics and hardware risk is Risklytics' job as a licensed producer, with no broker fee on top of the premium. CNA describes GL for smaller, mid-sized and large firms with industry-specific underwriting and claims support.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

CNA identifies GL solutions for smaller through large firms with tailored underwriting and risk support. Risklytics places robotics and hardware coverage and says $1 million per incident and $2 million per year are typical requests, not guaranteed limits.

Sources and records

  1. 01
    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

  2. 02
    Commercial General Liability Insurance | CNA Insurance

    CNA · Commercial General Liability; customer sizes, coverage, teams · accessed 2026-09-28

  3. 03
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  4. 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

  5. 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

  6. 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

  7. 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

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

Risk Class and Limit Expectations

CNA says its GL solutions serve smaller, mid-sized, and large companies, with underwriting and risk-control staff tailoring support to industry exposure. Risklytics focuses its placement on robotics, autonomy, AI, and hardware risks, and says buyers commonly encounter a $1 million per incident and $2 million annual request. Risklytics expressly describes those numbers as typical asks, not promised policy limits. If a customer contract sets limits, bring it to both discussions and compare the offered declarations. [2] [6]

Placement and Coverage Boundaries

CNA describes its GL line as addressing covered bodily injury and property damage owed to third parties. Risklytics is a producer placing policies with outside carriers; its examples include a visitor injury or damage to customer equipment and distinguish product-failure financial loss as a Tech E&O exposure. That distinction can matter for a robotics company whose product causes economic loss without physical damage. Ask whether your scenario belongs in GL, Tech E&O, or both. [2] [6] [5]

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

  • Ask Risklytics for the named carrier and limits in the declarations, and where product failure is addressed. [6]
  • Ask CNA which class, limit, and product-related terms apply to your operations. [2]

Provider coverage details

CNA

  • coverage: CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • eligibility: CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

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 ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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