Coverage line
Equipment (Inland Marine)
A robot gets crushed, stolen, or lost anywhere outside your building. This pays to replace it.
Built for moments like these.
A forklift crushes your six-figure demo unit at the customer's warehouse.
Covered — Damage off-site
A crated robot disappears between your dock and the pilot site.
Covered — Theft in transit
The classic mix-up
The same robot injures a bystander at the site.
Not this policy
→ General Liability answers this oneEasy to confuse. Here’s the line between them.
Equipment (Inland Marine)
Your machines, out there.
This page
When to buy
The first time a unit leaves the building.
Typical ask: Each unit listed, insured for its replacement cost. Your broker confirms yours.
Who requires it
Pilot agreements and site owners, for gear left on site.
How hard to get
Needs the right insurers
Placeable once every unit is listed with a real value.
Common questions
What is inland marine insurance, and why is it the robotics line?
The name is a holdover from cargo insurance. Today it means property coverage that follows equipment away from your premises: in transit, at jobsites, on pilots and demos. That movable-equipment shape is exactly how robot fleets operate.
Is our hardware covered while it ships to a customer?
Transit is a core part of what this line covers. Scheduled equipment is protected between locations, which matters when a single crated unit can represent months of build time.
What if a customer's forklift crushes our demo unit at their warehouse?
Accidental damage to your scheduled equipment at a customer site is the claim this line answers first, with the carrier then pursuing the responsible party. Without it, that loss waits on the customer's insurer and your legal leverage.
Our property policy covers contents. Isn't that enough?
Only while the equipment sits at your own location. The day a unit leaves for a pilot, most property forms stop following it, and the gap is precisely where robotics companies take their losses.
Still not sure if you need it?
Apply in minutes — the application tells you which lines fit, and a licensed producer reviews everything.
This page describes a line of coverage in general terms. It is not an offer of insurance and not evidence of coverage. Carrier appetite, policy wording, licensing, and availability govern every quote and every claim.