Manufacturing Machinery
Available through: your broker
Coverage
When a machine chooses its own next action, failure stops being purely mechanical. The cover is written around sensing, control and judgment, and around collaborative operation, where ISO 10218 and ISO/TS 15066 put a person inside the working envelope by design.
| Coverage | What it covers | Basis |
|---|---|---|
| Decision-logic failure | Loss where the machine did what it decided to do and the decision was wrong: mis-sensed material, a misread setpoint, or an action taken outside the intended envelope. | First party |
| Resulting product loss | Scrap, rework and the cost of quarantining and re-inspecting output produced between the failure and its discovery, which is usually the larger number. | First party |
| Collaborative operation injury | Injury to a visitor, contractor, vendor technician or temporary worker inside the machine's envelope, where power and force limiting, speed and separation monitoring, or the safeguarding around them did not hold. Your own employees are covered by workers' compensation. | Third party |
| Override and stop failure | Loss where a human-in-the-loop control existed but did not arrest the process: an override ignored, a stop that did not stop, or an approval gate bypassed. | First partyThird party |
| Operational interruption | Downtime while the line is stopped, the cell is re-validated and the control configuration is re-qualified before production restarts. | First party |
| Regulatory proceedings | Defense and investigation costs in a workplace safety or machinery-directive 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
- Inventory of robot cells and cobots
- Application: welding, palletizing, machine tending, assembly
- Guarding method: fenced, safety scanners, or power and force limited cobots
- Your robot cell risk assessment
- Integrator
- Lockout and access procedures
- Who else enters the cells: visitors, vendor technicians, contractors
What we read
- Read-only exports of robot controller and safety controller alarm and fault history
What moves price
- Fenced versus collaborative operation
- Payload and speed
- Third-party access
- How dependent output is on each cell
- The consequence of a robot error on the product you ship
Standards we reference
- ISO 10218-1 and -2 (2025)
- ISO/TS 15066
- ANSI/A3 R15.06-2025
Rated: Per robot cell per year. No site visit for standard accounts. Large or unusual fleets get a remote risk review.