Risklytics vs Techinsurance: Inland Marine Insurance

Risklytics Insurance Services places robotics-specific equipment cover, with each unit listed at replacement cost. TechInsurance arranges inland marine coverage for small businesses and offers an online application.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

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

Robot Fleets vs Everyday Tools

Risklytics built this line for robots that leave your building: a demo unit crushed at a customer's warehouse or a crated robot stolen in transit. TechInsurance covers ordinary business property off-site, client property in your care, and gear mounted on a service truck. Choose Risklytics if pilot agreements or site owners require cover for robots you leave on site; choose TechInsurance if you're a contractor, photographer, cleaner or IT professional moving tools between jobs. [4] [6]

Standalone Policy vs Package Add-On

TechInsurance won't sell inland marine on its own: you need a business owner's policy or commercial package for it to attach to. Risklytics places a dedicated equipment policy with specialist insurers that write robotics risk, and a licensed producer stays on the file until it binds. [6] [3] [4]

What You'll Pay and Provide

TechInsurance publishes numbers: a $48 monthly median and roughly $150 to over $4,500 a year, with a certificate usually within 24 hours. Risklytics quotes per unit: you list every robot at its replacement cost, and it charges no broker fee on top of premium. [6] [5]

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

  • Ask Risklytics which insurer will issue the policy before you bind. [4]
  • Ask TechInsurance which insurer writes the add-on and which package it attaches to. [6]
  • Check your TechInsurance quote against its published $48 median. [6]

Coverage topics

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 ↗

TechInsurance

  • role: TechInsurance arranges inland marine insurance, also called tools and equipment insurance, as a form of property coverage sold as an add-on to another property policy such as a business owner's policy or commercial package policy, not as a standalone product. Inland marine product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for an inland marine policy. Inland marine product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says inland marine coverage protects business property in transit or off-site storage, client property temporarily in the business's care (bailee coverage), equipment installed in a fixed but movable location such as a service truck, and high-value items that standard commercial property policies may exclude. Inland marine product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: TechInsurance targets inland marine coverage at businesses that ship property, transport high-value equipment, take tools to worksites, or store property off-site, naming construction contractors, photographers, cleaning services and IT professionals as example segments. Inland marine product page, Who needs inland marine insurance coverage? section.company-reportedSource ↗
  • limits: TechInsurance says its inland marine customers pay a median of $48 per month, with annual premiums ranging from about $150 to more than $4,500 depending on the value and type of insured property, coverage limits and deductible chosen, location, claims history and industry risk. Inland marine product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: TechInsurance says you can add inland marine coverage to a business owner's policy or commercial package policy through its online application, and typically get a certificate of insurance within 24 hours after purchase. Inland marine product page, How do you purchase inland marine insurance? section.company-reportedSource ↗

Robotics companies moving demo or pilot units get a dedicated per-unit equipment policy from Risklytics. Contractors, photographers and IT pros carrying tools get a cheap add-on to an existing business package from TechInsurance.

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 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

  3. 03
    About Risklytics: who we are

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

  4. 04
    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

  5. 05
    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

  6. 06
    Inland Marine Insurance – Compare Quotes

    TechInsurance · What is covered under inland marine insurance? (property in transit, client property in care, fixed-but-movable equipment, off-site storage, high-value items); How much does inland marine insurance cost?; What factors impact inland marine insurance rates?; How do you purchase inland marine insurance? · accessed 2026-09-23

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