CNA vs Risklytics: Inland Marine Insurance

CNA lists builders risk and contractors equipment among inland marine exposures, backed by tailored solutions. Risklytics Insurance Services places robotics-specific cover for units damaged or stolen away from the premises, insured for replacement cost.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

What Are the Key Differences Between CNA and Risklytics Inland Marine Insurance?

Unit scheduling and robotics fit

Risklytics frames its inland-marine product around robotics: a demo unit damaged at a customer site or a robot stolen in transit. It says each unit is typically listed for replacement cost, and calls out pilot agreements and site-owner requirements. CNA’s listed classes include contractors equipment, EDP property, medical equipment, fine arts and transportation. A robotics buyer should distinguish equipment damage from bodily injury exposure and confirm that each unit and off-premises location is scheduled. [2] [5]

Unit values and robotics-specific fit

Risklytics says it places coverage with outside specialist carriers and starts through an online application, with a licensed producer staying on the file until binding. CNA describes dedicated underwriting, risk-control and claims specialists but its claim does not specify robotics unit scheduling. Compare the actual carrier and whether the equipment list, transit and customer-site use match the contract requirements; neither provider’s overview alone confirms policy terms. [2] [5]

What Should You Confirm in CNA and Risklytics Inland Marine Insurance Quotes?

  • Ask Risklytics which carrier will issue the policy and whether replacement cost applies to each listed unit. [4]
  • Ask CNA whether robotics used at customer sites fits its equipment classes and how units are valued off premises. [2]

Risklytics describes robotics-specific replacement-cost scheduling for each unit, while CNA’s inland-marine appetite spans multiple property classes and includes dedicated underwriting, risk-control and claims specialists.

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16

  2. 02
    Inland & Ocean Marine Insurance | CNA Insurance

    CNA · Inland Marine and Ocean Marine coverage sections · accessed 2026-09-28

  3. 03
    Inland Marine Policy: Contractors’ Equipment

    Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services · PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34 · accessed 2026-09-16

  4. 04
    About Risklytics: who we are

    Risklytics · “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts · accessed 2026-09-23

  5. 05
    Equipment (Inland Marine) Insurance

    Risklytics · Coverage line: Equipment (Inland Marine); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions · accessed 2026-09-23

  6. 06
    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

Coverage topics

CNA

  • coverage: CNA Inland Marine addresses accounts receivable, buildings under construction, medical equipment, EDP, fine art and mobile property. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • eligibility: CNA lists builders risk, contractors equipment, EDP property, fine arts, installation floaters, medical equipment, transportation and wholesale distributors. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US page; global exposures Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA says tailored marine solutions are backed by dedicated underwriting, risk control and claims specialists. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US page; global exposures 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 Equipment (Inland Marine) 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 frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. Lines page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • eligibility: Risklytics says buyers typically need this coverage the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. Lines page.company-reportedSource ↗
  • limits: Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. Lines page; actual limits are set on the bound policy.company-reportedSource ↗
  • services: Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. Lines page.company-reportedSource ↗
  • insurer: Risklytics does not name the carrier that underwrites Risklytics Equipment (Inland Marine) 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 Equipment (Inland Marine) 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 ↗

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