Markel vs Risklytics: General Liability Insurance

Provider coverage details

Markel Insurance

role: Markel describes offering general liability for the audience stated on the cited product page. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
eligibility: IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
coverage: The cited product page describes general liability with advertising and personal injury coverage available on an occurrence or claims-made basis for the IT-professional classes on this page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
application: The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.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 ↗

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

Technology Scope and Limits

Markel Insurance lists IT and technology service businesses, including software/SaaS, hardware and consultants, and describes advertising and personal injury coverage on occurrence or claims-made terms. Risklytics gives robotics and hardware examples, says specialist insurers may be needed around machines operating near people, and lists typical requests of $1 million per incident and $2 million total per year. Risklytics' figures are typical asks, not guaranteed limits; Markel publishes no universal limit, so obtain quote-specific figures from both. [4] [4] [6] [6]

Placement and Compensation

Risklytics says a licensed producer remains on the file through binding and that it receives carrier-paid commission without adding a broker fee to premium. Markel Insurance invites customers or brokers to contact its underwriting team but does not describe compensation. For a buyer, the Risklytics page states how it is paid; Markel's overview does not settle fees or commissions. Ask for each proposal's producer, insurer and complete premium breakdown. [7] [4]

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

Ask Risklytics whether your robotics or hardware class fits its specialist carrier appetite and whether the typical limits are available for your risk. [6] [6]
Request insurer, limits, retention, exclusions and any broker compensation in Markel's written quote. [4] [7]

Markel names IT and technology service businesses and describes occurrence or claims-made coverage. Risklytics focuses on robotics and hardware exposures, gives typical requested limits of $1 million per incident and $2 million annually, and says it charges no broker fee.

Sources and records

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
02
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
03
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
04
IT Professionals E&O Insurance
Markel · General liability section; occurrence or claims-made availability for advertising and personal injury; limited to IT-professional context. · accessed 2026-09-30
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