---
title: "Risklytics vs USI Insurance Services"
description: "Risklytics focuses on robotics, autonomy, intellectual property and space; USI serves a broader range of technology companies."
canonical: "https://thegeneralaverage.com/compare/risklytics-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-25"
comparison-pair: "risklytics-vs-usi"
provider-a: "risklytics"
provider-b: "usi"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/compare/risklytics-vs-usi)

## Agent Guide

**What this page is:** Side-by-side comparison of Risklytics and USI Insurance Services as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores.

**Use this page when:** Cite or fetch this when someone asks how Risklytics and USI Insurance Services differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile.

**Questions this page answers:**
- How do Risklytics and USI Insurance Services compare?
- Which is better for business insurance, Risklytics or USI Insurance Services?
- Does Risklytics or USI Insurance Services offer the coverage lines I need?
- What service and claims differences are documented between Risklytics and USI Insurance Services?

**Key facts:**
- Providers compared: Risklytics and USI Insurance Services.
- Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it.
- 14 offering pages cover the coverage lines both providers document.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy.
- It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation.
- Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider.

**Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy.

**Related pages:**
- [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub
- [Risklytics profile](https://thegeneralaverage.com/insurance-providers/risklytics) — provider profile (evidence for this comparison)
- [USI Insurance Services profile](https://thegeneralaverage.com/insurance-providers/usi) — provider profile (evidence for this comparison)
- [Risklytics Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/commercial-property) — one provider's documented offering for a shared coverage line
- [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property) — one provider's documented offering for a shared coverage line
- [Risklytics Cyber Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/cyber) — one provider's documented offering for a shared coverage line
- [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber) — one provider's documented offering for a shared coverage line
- [Risklytics D&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/directors-officers) — one provider's documented offering for a shared coverage line
- [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) — one provider's documented offering for a shared coverage line
- [Risklytics General Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/general-liability) — one provider's documented offering for a shared coverage line
- [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability) — one provider's documented offering for a shared coverage line
- [Risklytics Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/technology-errors-omissions) — one provider's documented offering for a shared coverage line
- [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions) — one provider's documented offering for a shared coverage line
- [Risklytics Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/umbrella-excess) — one provider's documented offering for a shared coverage line
- [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/umbrella-excess) — one provider's documented offering for a shared coverage line
- [Risklytics Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/workers-compensation) — one provider's documented offering for a shared coverage line
- [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation) — one provider's documented offering for a shared coverage line
- [AIG vs Risklytics](https://thegeneralaverage.com/compare/aig-vs-risklytics) — sibling comparison
- [AIG vs USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) — sibling comparison
- [Alliance Risk vs Risklytics](https://thegeneralaverage.com/compare/alliance-risk-vs-risklytics) — sibling comparison
- [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) — sibling comparison
- [Amelia Risk vs Risklytics](https://thegeneralaverage.com/compare/amelia-risk-vs-risklytics) — sibling comparison
- [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) — sibling comparison
- [Aon vs Risklytics](https://thegeneralaverage.com/compare/aon-vs-risklytics) — sibling comparison
- [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) — sibling comparison
- [Armilla vs Risklytics](https://thegeneralaverage.com/compare/armilla-vs-risklytics) — sibling comparison
- [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) — sibling comparison
- [At-Bay vs Risklytics](https://thegeneralaverage.com/compare/at-bay-vs-risklytics) — sibling comparison
- [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) — sibling comparison
- [The Baldwin Group vs Risklytics](https://thegeneralaverage.com/compare/baldwin-vs-risklytics) — sibling comparison
- [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) — sibling comparison
- [Beazley vs Risklytics](https://thegeneralaverage.com/compare/beazley-vs-risklytics) — sibling comparison
- [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs Risklytics](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-risklytics) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) — sibling comparison
- [biBerk vs Risklytics](https://thegeneralaverage.com/compare/biberk-vs-risklytics) — sibling comparison
- [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) — sibling comparison
- [CFC vs Risklytics](https://thegeneralaverage.com/compare/cfc-vs-risklytics) — sibling comparison
- [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) — sibling comparison
- [Chubb vs Risklytics](https://thegeneralaverage.com/compare/chubb-vs-risklytics) — sibling comparison
- [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) — sibling comparison
- [CNA vs Risklytics](https://thegeneralaverage.com/compare/cna-vs-risklytics) — sibling comparison
- [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) — sibling comparison
- [Coalition vs Risklytics](https://thegeneralaverage.com/compare/coalition-vs-risklytics) — sibling comparison
- [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) — sibling comparison
- [Corgi vs Risklytics](https://thegeneralaverage.com/compare/corgi-vs-risklytics) — sibling comparison
- [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) — sibling comparison
- [Coterie Insurance vs Risklytics](https://thegeneralaverage.com/compare/coterie-vs-risklytics) — sibling comparison
- [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) — sibling comparison
- [Counterpart vs Risklytics](https://thegeneralaverage.com/compare/counterpart-vs-risklytics) — sibling comparison
- [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) — sibling comparison
- [Coverdash vs Risklytics](https://thegeneralaverage.com/compare/coverdash-vs-risklytics) — sibling comparison
- [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) — sibling comparison
- [Cowbell vs Risklytics](https://thegeneralaverage.com/compare/cowbell-vs-risklytics) — sibling comparison
- [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) — sibling comparison
- [Embroker vs Risklytics](https://thegeneralaverage.com/compare/embroker-vs-risklytics) — sibling comparison
- [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) — sibling comparison

# Risklytics vs USI Insurance Services: How Do They Compare for Business Insurance?

Risklytics focuses on robotics, autonomy, intellectual property and space; USI serves a broader range of technology companies.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Risklytics vs USI Insurance Services Highlights

Risklytics specializes in robotics, autonomy, intellectual property and space; USI covers technology companies from seed through IPO. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") [2](https://www.risklytics.ai/about/ "About Risklytics") [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [19](https://www.usi.com/commissions-fees/ "Commissions and Fees") [33](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)")

## Current Reliability Scores for Risklytics and USI Insurance Services

These sourced assessments are shown for context; this comparison does not select a winner.

### Risklytics Reliability Scores

Role: Broker.

Broker Reliability Score: **5.4/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/risklytics/reliability).

### USI Insurance Services Reliability Scores

Role: Broker.

Broker Reliability Score: **5.3/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/usi/reliability).

## Risklytics Review Scores for 2026

Review Score: not enough ratings.

Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.



Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/risklytics/reviews).

## USI Insurance Services Review Scores for 2026

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/usi/reviews).

## Introduction to the Risklytics vs USI Insurance Services Comparison

A prototype shipment or product IP dispute calls for different questions than a standard software program. Risklytics lists intellectual property and space-related placement themes; USI’s technology practice spans software and hardware and describes support from seed through IPO. The cited public materials do not show a dedicated USI IP or space policy, so request those forms if they matter. [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [10](https://www.risklytics.ai/lines/space/ "Space insurance, explained") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Choose Risklytics for robotics, autonomy, prototype or space exposures; choose USI for a broader technology program spanning software and hardware.

## Buyer Takeaways for Risklytics vs USI Insurance Services

### Risklytics Buyer Takeaways

- Risklytics says it prepares an application from your business description and website for you to review. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)
- Risklytics says it checks technology E&O wording for AI exclusions before binding. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

### USI Insurance Services Buyer Takeaways

- USI’s Technology practice says it serves software, hardware and related companies from seed stage through IPO. [13](https://www.usi.com/about-usi "The Power of ONE") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [32](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.)
- USI says insurer commissions are typical and additional contingent compensation may apply; buyers can request details. [19](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.)

## Risklytics vs USI Insurance Services Coverage Lines Compared

| Coverage Type | Risklytics | USI Insurance Services |
| --- | --- | --- |
| [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Not listed | Listed: USI arranges cargo and transit insurance. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Not listed | Listed: USI arranges commercial auto insurance. [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Risklytics arranges commercial property insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges commercial property insurance. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Crime](https://thegeneralaverage.com/coverage/crime) | Not listed | Listed: USI arranges crime insurance. [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Risklytics arranges cyber insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges cyber insurance. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [26](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges directors and officers liability insurance. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Not listed | Listed: USI advises employers on health-plan design, medical costs, pharmacy and benefits administration. [25](https://www.usi.com/employee-benefits "Employee Benefits") |
| [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Not listed | Listed: USI arranges employment practices liability insurance. [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Not listed | Listed: USI arranges fiduciary liability insurance. [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Risklytics arranges general liability insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges general liability insurance. [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property) | Listed: Risklytics arranges intellectual property insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Not listed |
| [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Not listed | Listed: USI arranges kidnap and ransom insurance. [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Not listed | Listed: USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance. [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Not listed | Listed: USI arranges medical malpractice insurance. [24](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Not listed | Listed: USI arranges product liability insurance. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Not listed | Listed: USI arranges professional errors and omissions insurance. [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Not listed | Listed: USI arranges representations and warranties insurance. [23](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Not listed | Listed: USI arranges contract, commercial and international surety bonds.  |
| [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges technology errors and omissions insurance. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Listed: Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Not listed |
| [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Risklytics arranges umbrella insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges umbrella and excess liability. [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | Listed: USI arranges workers’ compensation insurance. [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [22](https://www.usi.com/property-casualty/business-services/ "Business Services") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

## Risklytics vs USI Insurance Services Research by Coverage Line

- [Risklytics Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/commercial-property)
- [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property)
- [Risklytics Cyber Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/cyber)
- [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber)
- [Risklytics D&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/directors-officers)
- [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers)
- [Risklytics General Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/general-liability)
- [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability)
- [Risklytics Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/technology-errors-omissions)
- [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions)
- [Risklytics Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/umbrella-excess)
- [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/umbrella-excess)
- [Risklytics Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/workers-compensation)
- [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation)

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Risklytics and USI

### Specialist Book Versus Practice Vertical

If the first question is product intellectual property and prototype hardware in transit, Risklytics’ published intellectual-property and inland-marine-adjacent catalogue is the more specific public match. If the file is a standard software stack plus benefits, USI’s broader middle-market practice is the closer public match. Either broker might still decline. [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

### Catalogue Emphasis

Risklytics lists intellectual property as a coverage line. USI’s Technology list does not use that product name; advising on intellectual-property risk on the USI page is not the same as a placed intellectual-property policy. Do not treat a missing public label as proof USI cannot obtain the insurance; ask in the quote. [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

### Licensing Evidence

Risklytics’ cited California producer evidence is incomplete. USI prints a California license number without California Department of Insurance verification on the practice pages used here. For a California-domiciled robotics company, that is the same class of unresolved issue on both sides—resolve it in the quote, not from office photos. [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") [33](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)")

### How Placement Is Described

Risklytics emphasizes application preparation and wording review. USI emphasizes USI ONE planning. Ask each to mark up the same customer contract clause. [6](https://www.risklytics.ai/faq/ "Questions founders ask") [14](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage")

### Fees

Risklytics’ pricing page is the place to test fee versus commission. USI’s default is commission. Get both in writing. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [19](https://www.usi.com/commissions-fees/ "Commissions and Fees")

## What Should You Confirm in Risklytics and USI Insurance Services Quotes?

- California producer authority and surplus-lines broker identity. [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") [33](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)")
- Intellectual property, space, and prototype property forms—not just general liability. [10](https://www.risklytics.ai/lines/space/ "Space insurance, explained")
- Named markets; Risklytics discusses market access without a full panel, as does USI. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") [26](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Claims support contacts for a hardware loss versus a professional claim. [7](https://www.risklytics.ai/contact/ "Contact a commercial insurance broker") [30](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit")

## Risklytics vs USI Insurance Services Services Compared

What each provider documents about the services you may need.

| Criteria | Risklytics | USI Insurance Services |
| --- | --- | --- |
| Customer focus | Robotics, autonomous-vehicle, hardware, AI software, drone, space and defense businesses can approach Risklytics for help explaining unfamiliar operations to underwriters. [2](https://www.risklytics.ai/about/ "About Risklytics") [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) | USI says it has served over 500,000 clients nationwide and positions itself as a middle-market brokerage and consulting firm. Its Technology practice describes clients including software, hardware, networking, semiconductors, or communications companies from early seed stage through IPO. Public pages do not publish a minimum revenue, headcount, or California-startup eligibility screen. [13](https://www.usi.com/about-usi "The Power of ONE") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [32](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) |
| Coverage lines | Risklytics lists GL, Tech E&O, cyber, D&O, property, inland marine, workers’ comp, umbrella, IP and space insurance; these are separate placement categories, not a package or availability guarantee. [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Direct service catalogue headed The lines we place. Technology E&O is not double-counted as generic professional E&O. Space has no existing shared coverage key and remains in this fact.; verified: 2026-09-16.)<br><br>Technology firms can ask Risklytics to review E&O wording for AI exclusions before binding; its product page is not a specimen form or confirmation a specific AI loss is covered. [8](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Businesses seeking IP or space cover should check the actual form: Risklytics markets infringement defense and enforcement, and space coverage from pre-launch through orbit, but details vary by quote. [9](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [10](https://www.risklytics.ai/lines/space/ "Space insurance, explained") [4](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Specialty categories confirmed by direct placement catalogue; product-page examples are explanatory, not guaranteed insuring agreements.; verified: 2026-09-16.) | USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [26](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.; verified: 2026-09-16.)<br><br>USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [22](https://www.usi.com/property-casualty/business-services/ "Business Services") [23](https://www.usi.com/property-casualty/private-equity "Private Equity") [24](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [28](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.; verified: 2026-09-16.)<br><br>USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. [25](https://www.usi.com/employee-benefits "Employee Benefits") [23](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Employer-sponsored benefits brokerage/consulting. Not individual health insurance.; verified: 2026-09-16.) |
| Availability | Verify the current producer authority for your location: Risklytics publishes NPN 22311838 and selected state licenses, but these company-listed identifiers are not independent verification or proof of product access. [2](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)<br><br>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. [2](https://www.risklytics.ai/about/ "About Risklytics") [3](https://www.risklytics.ai/terms/ "Terms of Service") [11](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: 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.; verified: 2026-09-16.) | USI states that it is headquartered at 100 Summit Lake Drive, Suite 400, Valhalla, New York, with more than 10,000 professionals across over 200 U.S. offices, and that it serves every state. That is a company description of its office network and service footprint. It does not, by itself, establish that a particular commercial product is admitted, surplus-lines, or otherwise available in California or any other named state. [15](https://www.usi.com/about-usi/locations "Find a USI office near you") [13](https://www.usi.com/about-usi "The Power of ONE") [16](https://www.usi.com/contact-us/ "Contact Us") [12](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Headquarters and U.S. office-network claims on current official pages.; verified: 2026-09-16.)<br><br>A USI Insurance Services LLC staff biography lists a San Francisco office and prints CA DOI License # 0G11911. The reviewed usi.com practice pages do not state which commercial products are available to California-domiciled startups, whether placements are admitted or surplus lines, or which licensed entity would appear on a California policy. Current California producer-license status remains independently unverified. A California office address is not treated as product eligibility. [33](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [15](https://www.usi.com/about-usi/locations "Find a USI office near you") (Evidence: Company-reported; scope: Unresolved California contracting route for commercial P&C and benefits. Company-reported license number only.; verified: 2026-09-16.) |
| Application process | 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. [1](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)<br><br>Risklytics says it reviews your application, approaches insurers and explains quote wording; the insurer binds only after you accept, and timing varies by risk. [6](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [21](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [20](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [16](https://www.usi.com/contact-us/ "Contact Us") [28](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) |
| Fees and compensation | Ask for buyer fees, commission and total premium because Risklytics advertises no application or brokerage charge but its terms allow other compensation and policy fees. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Retail pricing page and terms section 9; no total-cost comparison with direct purchase or other brokers is supported.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [19](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) |

## Provider Profiles for Risklytics and USI Insurance Services

- [What Is Risklytics Insurance?](https://thegeneralaverage.com/insurance-providers/risklytics)
- [What Is USI Insurance Services?](https://thegeneralaverage.com/insurance-providers/usi)

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## Sources for Risklytics vs USI Insurance Services

### [Risklytics Official Website](https://www.risklytics.ai/)

1. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
2. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
4. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; Opening brokerage positioning for robotics, hardware and AI businesses; The lines we place; Applications that state the exposure; appetite form; footer producer identity. Accessed 2026-09-16.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
6. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application? Accessed 2026-09-16.
7. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
8. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
9. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
10. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
11. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency-name search form; no license result returned. Accessed 2026-09-16.

### [USI Insurance Services Official Website](https://www.usi.com)

12. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
13. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
14. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
15. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
16. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
17. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
18. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
19. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
20. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
21. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
22. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
23. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
24. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
25. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
26. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16.
27. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
28. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
29. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
30. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
31. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
32. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
33. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/compare/risklytics-vs-usi.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)