Robot Maker Liability
Available through: your broker
Coverage
A maker's exposure travels with every unit it ships, into environments it does not control. The cover follows the robot rather than the premises it happens to be in.
| Coverage | What it covers | Basis |
|---|---|---|
| Injury and damage caused by your robots | Bodily injury and property damage caused by a robot you made, sold or integrated, wherever it is operating. | Third party |
| Failure to perform and faulty software | A customer's financial loss when a robot or its software does not perform as promised, including a defective update pushed to the installed base. | Third party |
| Cyber attacks that cause physical harm | Injury and damage caused by a robot that has been compromised. Data breaches stay with your cyber policy; this answers for what the machine then does. | Third party |
| Customers added as insureds | Your buyers and operators are added as insureds for claims arising from your robot, which shortens the procurement conversation. | Third party |
| AI exclusions removed | No claim is excluded because AI, autonomy or a learned model was involved. Cover is affirmative where standard liability forms now carve it out. | Third party |
One bad software release counts as one event, with limits capped per maker and per robot family. 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
Rated
Per robot shipped, with accumulation capped per maker and per robot family.
What we read
Read-only- One integration across the installed base: fault and emergency-stop rates, software version spread, and safety-override events per family
What we ask for
6- 01Robot families, applications and units shipped
- 02Installed base and the environments your customers run in
- 03Your safety case and the standards each family is certified to
- 04Software release, update and rollback process
- 05Customer contract terms, including indemnities
- 06Recall, incident and claims history
What moves price
5- 01Robot mass, speed and application
- 02Installed base per robot family, which sets accumulation
- 03Release cadence and the ability to roll back
- 04Whether safety controls can be overridden remotely
- 05Customer environment: industrial, public or home
Standards we reference
Review
No site visit for standard accounts. Large robot families or unusual applications get a remote risk review.