Humanoids
Available through: your broker
Coverage
A humanoid is bought to work where a person works, which means it inherits a person's proximity to people and property without inheriting a person's judgment. The cover is written for general-purpose machines operating in spaces built for humans.
| Coverage | What it covers | Basis |
|---|---|---|
| Shared-space bodily injury | Injury to customers, visitors, contractors and temporary workers from contact, a dropped load or a loss of balance, in premises laid out for people rather than for machines. Your own employees are covered by workers' compensation. | Third party |
| Third-party property damage | Damage to premises, fittings, stock and customer property caused by the machine moving through and handling a human environment. | Third party |
| Task execution failure | Your own loss where the machine completed the wrong task correctly: goods mishandled, a process step missed, or a general-purpose instruction carried out beyond its intent. | First party |
| Supervision and autonomy level | Loss arising where the machine operated at a higher autonomy level than scheduled, or where remote supervision was absent, delayed or ineffective. | First partyThird party |
| Unauthorized control | Physical and third-party loss following unauthorized access to the unit or its control plane, including instruction injection through its own sensing. | First partyThird party |
| Regulatory proceedings | Defense and investigation costs in a workplace safety or consumer protection proceeding arising from a covered event, within the elected scope. | Regulatory |
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
- Model and count
- Tasks
- Environment: enclosed cell, shared with workers, or public-facing
- Share of time under teleoperation
- The vendor's safety case, including fall behavior and contact force limits
- Pilot or production deployment
What we read
- Falls and stumbles
- Emergency stops
- Teleoperation interventions per operating hour
- Contact events
What moves price
- Public-facing versus industrial
- Robot mass and height
- Teleoperation share
- Payload
- Maturity of the deployment
Standards we reference
- ISO 25785-1, draft safety requirements for dynamically stable mobile robots including legged robots
- ISO 10218 (2025)
- ISO/TS 15066
Rated: Per unit per year. Pilots can be bound on short terms. No site visit for standard accounts. Large or unusual fleets get a remote risk review.