Risklytics
Get Insured
Back

Who we insure

Robotics & Field Machines

For companies whose machines leave the lab: robots on customer sites, autonomous rigs in the field, hardware fleets working where people and property are.

The exposure

A machine on a customer site can injure someone, damage the site, or get damaged itself in transit or on the job. That exposure runs year-round, and a standard application has no fields for how an autonomous machine actually operates.

We place the operation with underwriters who want machine risk on their books, and we read the exclusions before you rely on the coverage.

Common questions

What insurance does a robotics company need?
General liability anchors the program, because a machine on a customer site can injure someone or damage the site. Equipment or inland marine coverage follows the hardware in transit and on the job, workers' compensation covers your own technicians, and an umbrella supplies the limits site owners demand.
Who pays if our robot injures someone at a customer site?
The injured person's claim lands on you, and general liability is the line that responds, subject to the carrier's policy terms. Site owners know this, which is why they require proof of coverage before your machine is allowed on the premises.
Is our robot covered on the way to a pilot?
That is what equipment or inland marine coverage exists for. Property policies usually stop at your own walls; this line follows scheduled equipment into trucks, warehouses, and customer sites.
Standard applications have no fields for autonomy. Does that hurt us?
It means the underwriter prices what they can see, and a form with no place for supervision models, operating envelopes, or safety cases makes your machine look like generic contracting equipment. Presenting the operation properly to underwriters who want machine risk is most of the placement work.
Start your application All coverage lines

Lines that anchor the program

These are the usual starting points for this segment. Every program is built line by line inside the application.

This page describes 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.