Resilience vs Risklytics: How Do They Compare for Business Insurance?

Key Differences Between Resilience and Risklytics

Explaining the Operation Versus Selecting the Technology Policy

Risklytics says it drafts your application from your business description and public website for your review and signature; it also advertises Slack and email updates, but the process was not independently tested. ¹¹Company-reported. Current official service description; not independently tested or a policy entitlement.

A website can describe a future product more broadly than today’s insured operations. Check any prepared application against deployed hardware, customer responsibilities and actual services before signing. Risklytics says it reviews applications and quote wording with the buyer; that is a described brokerage process, not proof of completed placements for your operation. ^16 13

Resilience lists hardware and technology services within its technology appetite, but ask specifically whether it covers a machine-related injury or property loss. That appetite listing doesn’t confirm it. Its published revenue range also makes current company size an early eligibility question. Ask which exposures belong in technology E&O and which require separate policies. ⁴

A Broad Brokerage Catalogue Still Needs an Actual Market

Risklytics lists property, inland marine and intellectual-property coverage alongside cyber and technology E&O. That supports discussing a broader program, but get Risklytics to name an actual insurer willing to cover your particular robot or autonomy use case. Its reviewed market sources do not identify a product-specific California placement arrangement. ^14 13

California is absent from Risklytics’ reviewed license table; this does not prove it cannot arrange coverage, so confirm the producer, authority and insurer before relying on a quote. ^12,13,21Not found in reviewed sources. Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.

Resilience names US insurer alternatives, but the reviewed public documentation likewise leaves the California product route unresolved. Neither uncertainty should be converted into a claim that coverage is unavailable. Resolve producer authority, insurer and form before treating an indication as an executable California placement. ²

Quote Assistance and Incident Assistance Are Different Commitments

Risklytics markets application and placement support without an additional brokerage fee, subject to other possible policy or intermediary charges. Ask Risklytics whether it has a dedicated incident-response process. Its marketing doesn’t describe one. Resilience describes in-house claims support and external response specialists; its public fee schedule remains undisclosed. A founder should distinguish help obtaining coverage from the contact responsible during an incident. ^15 13 6

Get premium, taxes, placement costs and security charges itemized because reviewed pages do not publish standard fees or commission rates. ^5,7,2,10,3,4Not publicly disclosed. Public-source review, not a finding that charges or commissions are absent.

What Should You Confirm in Resilience and Risklytics Quotes?

Ask for the signed operations description, an exposure-to-policy map covering physical and software losses, the proposed California producer and issuing insurer, and an itemized cost statement. Identify who receives urgent claims notices and whether a technology failure that damages customer property belongs under the quoted form. These questions test the proposed placement rather than relying on a robotics industry label. ^18 14 4