Question 1

Who is Robotic Protection for?

Accepted Answer

Any business running robots, whether they own them, lease them or use them as a service. It is built for fleets of 10 to 500 robots, and is bought by the operations or risk lead through a broker, or included when you buy or lease robots from a vendor that offers it.

Question 2

Which robots can be covered?

Accepted Answer

Robots with a recognized safety standard: industrial arms, cobots, warehouse robots, autonomous forklifts, and cleaning, hospitality and other service robots. A robot without a certification can be covered once it has an independent safety assessment. Drones are not covered.

Question 3

Doesn't my property or general liability policy already cover my robots?

Accepted Answer

Usually not fully. Property policies pay for downtime only after physical damage, and many general liability policies now exclude AI and autonomy. Robotic Protection pays first for your scheduled robots, pays your property deductible when a robot caused the damage, and sits over your GL, dropping down where it excludes robots or AI. A loss is never paid twice.

Question 4

What if a software update grounds my whole fleet?

Accepted Answer

Operational Interruption pays an agreed amount for each site-day your robots are down, with or without physical damage, after a 12-hour wait. One software release counts as one event, however many robots it reaches.

Question 5

What if my robot vendor goes out of business?

Accepted Answer

Vendor failure is part of Operational Interruption, with a limit of $1m, so a vendor that stops supporting your robots does not leave you carrying the downtime alone.

Question 6

Do I need to share data with you?

Accepted Answer

Fleets of 10 or more robots connect a read-only data feed to the fleet manager or robot controllers within 30 days. It lets us review each fleet's safety every quarter and check every software release within 7 days, and clean fleets earn a credit. If the feed lapses, default rates apply and the deductible doubles.

Question 7

How are claims handled?

Accepted Answer

Robots record everything, so claims are proven from fleet data rather than argued. Notice is acknowledged within 24 hours, the fleet data is already preserved, you get a coverage position within 30 days, and first-party losses are paid within 10 business days of agreement. For example, an autonomous forklift that misreads a pallet and strikes racking, damaging itself, $120,000 of stock and closing the aisle for 2 days, would be paid across Robot Damage, Collateral Damage and Operational Interruption from the fleet logs.

Question 8

What isn't covered?

Accepted Answer

Your own employees, who are covered by workers' comp. Wear and tear. Buildings and stock in a fire, which stay with your property policy. Contract penalties and SLA credits. Cyber downtime with no damage, which belongs to your cyber policy. Uncertified robots without an independent assessment. Drones. War, state-backed cyber attacks and intentional acts.

Question 9

How is it priced?

Accepted Answer

Per robot, on the same five factors for every robot type: its energy (mass, speed, payload and battery), who is near it, how it decides, where it works, and the evidence behind it (certification, the fleet data feed and loss history). Certification, staged software updates and a low incident rate earn credits.

Question 10

How do I buy it?

Accepted Answer

Through your broker, as an annual policy in the E&S market, or included when you buy or lease robots from a vendor that offers it.

Coverage	Description	Limit	Deductible
Robot Damage	Collision, fall, fire, breakdown, software-caused failure, hacking, theft; includes leased robots	Scheduled value, up to $10m per site	$5,000 per robot, $25,000 per event
Collateral Damage	Damage a robot does to your goods, racking, machines and other robots; pays your property deductible	$1m	$10,000
Operational Interruption	Downtime with or without damage, paid at an agreed amount per site-day; vendor failure	$2m (vendor failure $1m)	12-hour wait
Robot Liability	Injury and damage to visitors, contractors, the public and client sites, including remote-operation errors and privacy claims	$5m	$25,000
Incident Response	OSHA defense, data preservation, crisis communications	$250,000	$10,000

Robotic Protection

Coverage

Underwriting

Broker submission

Quote and bind

Risk mitigation

Renewal

Regulatory frameworks

ANSI/A3 R15.08

ISO 10218

ISO 3691-4

UL 3100

ISO/TS 15066

FM Data Sheet 8-34

Frequently asked questions