What Are the Key Differences Between Risklytics and Zurich U.S. General Liability Insurance?
Hardware and robotics exposure
Risklytics focuses on companies building robotics, autonomy and other hardware, saying machines around people call for insurers that want those risks. Zurich lists general liability in its U.S. casualty portfolio and identifies a contractors’ captive as one segment-specific program. A robotics company should ask which market will consider its equipment and operating environment instead of assuming the contractor program fits. [5] [9] [10]
Limits for a contract
Risklytics reports that buyers typically request $1 million per incident and $2 million per year; it presents those as common requests, not guaranteed limits. If a customer contract sets minimums, compare the quote’s occurrence and aggregate amounts and confirm any umbrella requirement separately. [5] [8] [9]
What the policy responds to
Risklytics gives examples of a visitor injured at a demonstration and a falling bracket damaging customer equipment, while distinguishing a customer’s financial loss from a product failure as a Tech E&O issue. Zurich describes bodily injury, property damage and personal-injury claims related to business premises or operations. Ask both placements how the forms divide third-party injury from product-performance disputes. [5] [8]