Delivery Robotics
Available through: your broker
Coverage
A delivery fleet works where the public is. Sidewalk and curbside robots generally sit outside auto liability and fall to general and product liability, which means the exposure is third-party from the first mile and the permit conditions are part of the risk.
| Coverage | What it covers | Basis |
|---|---|---|
| Public bodily injury | Injury to a pedestrian, cyclist or bystander struck by, tripped over or obstructed by a robot operating in public space, including at crossings and curb transitions. | Third party |
| Third-party property damage | Damage to vehicles, storefronts, street furniture and private property caused by a unit in transit or at rest. | Third party |
| Cargo and custody | Loss of or damage to the goods carried, including spoilage on a stalled unit and loss following theft or tampering while the robot is unattended. | First party |
| Right-of-way and permit conditions | Defense costs and claims arising from operation in the public right of way, including alleged breach of a municipal permit condition or operating-area restriction. | Third partyRegulatory |
| Fleet grounding | Operational loss where a regulator, a municipality or your own protocol grounds the fleet in a jurisdiction after an event. | First party |
| Unauthorized control | Physical and third-party loss following unauthorized access to a unit or to the fleet control plane, where a cyber policy answers the intrusion and not its consequences. | First partyThird party |
| Theft and vandalism | Loss of or damage to a unit taken, tipped, stripped or destroyed while working unattended in public space. | First party |
Aerial delivery is not automatic cover and requires an express endorsement and specialist review. Indicative cover for a line in development, not a schedule of insurance and not an offer to quote. Agreement names, triggers, sublimits and exclusions are subject to the filed wording, and the wording governs in every respect.
Underwriting
What we ask for
- Cities and states of operation, and compliance with each state's personal delivery device law
- Fleet size, weight class and speed caps
- Route profile: sidewalks, crosswalks, campuses
- Remote supervision ratio
- Municipal permit terms and insurance minimums
What we read
- Miles traveled
- Interventions per 1,000 miles
- Contact events
- Route exposure by area
What moves price
- Pedestrian density
- Street crossings per mile
- Supervision ratio
- Device weight and speed
- Weather
Standards we reference
- State personal delivery device statutes, several of which set a minimum liability limit, for example Virginia at $100,000
- Municipal permit conditions
Rated: Per device per year, plus a per-mile component. No site visit for standard accounts. Large or unusual fleets get a remote risk review.