COBO-SURE
- Overview
- Insurance for collaborative robots
- What it protects
- The shared workspace, where contact is designed in rather than designed out.
- Written against
- ISO 10218-2:2025, collaborative operation
Insurance for collaborative robots
Cover modules
- Core interaction liability
Bodily injury and property damage in collaborative operation, including contact injury despite force limitation.
- Machinery and hull
Own damage to the cobot from collision or malfunction.
- Business interruption
Loss of income following a covered cobot outage.
- Control takeover
Loss from manipulation of the cobot controller.
- Compliance gap
Loss arising from a mismatch between the documented risk assessment and the deployment as built, the failure this class actually produces.
Perils covered
- Contact injury in collaborative operation
- Force exceedance despite a power- and force-limited design
- Own damage to the cobot
- Loss of income after an outage
- Loss arising from a compliance gap
- Control takeover and manipulation
Never covered
- Operation without a valid, current risk assessment per ISO 10218-2
- Deliberate exceedance of the biomechanical force limits
- Wilful acts and gross negligence of the operator or its representatives
- Defects known before inception
- Normal wear, tear and omitted maintenance
- War, terrorism, nuclear energy, pandemic and sovereign acts
Conditions of inception
These are conditions of inception, not matters of claim. Where the evidence is not in place, cover does not attach.
Written against
- ISO 10218-2:2025, collaborative operation
- ISO/TS 15066, biomechanical limits for human-robot contact
- CE marking under the applicable machinery regime
Current risk assessment
Per ISO 10218-2, describing the collaborative operation as it is run today.
Deployment audit
Evidence that the installed application matches that assessment. This is the central underwriting factor for the class.
Force limits held
Adherence to the biomechanical limits, with the measurement retained rather than asserted.
Per-unit inventory
Serial number, value, location and application, reconcilable at any time.
Incident governance
A defined route from a contact event to a record, including near misses.
Built for
- Manufacturers running cobots beside people
- Integrators deploying collaborative applications
- Electronics, medical device and precision assembly
- Laboratories and cleanroom operations
Draws on
Capacity, limits, wordings and commercial terms are not published. They are structured per counterparty and shared directly under engagement.