HUMANO-SURE
- Overview
- Insurance for humanoid robots
- What it protects
- The free-moving machine, and the people it moves among.
- Written against
- ISO 25785-1, mobile and humanoid robot safety, in development
Insurance for humanoid robots
Cover modules
- Core liability
Bodily injury and property damage caused by the mobile robot in proximity to people.
- Machinery and hull
Own damage, including fall damage and damage to the battery.
- Business interruption
Loss of deployment of the unit and the additional cost of covering for it.
- Autonomy malfunction
Loss from misnavigation, perception failure or model error, the decision, not only the mechanism.
- Battery and fire
Loss from the energy-dense battery, including fire.
- Sensing and privacy
Loss arising from camera- and sensor-driven data capture in a space occupied by people.
Perils covered
- Bodily injury and property damage from free movement
- Fall and misnavigation damage
- AI and model error with a physical consequence
- Battery and fire damage
- Privacy breach arising from onboard sensing
- Loss of deployment of the unit
Never covered
- Operation outside the approved deployment zone or above the approved autonomy level
- Manipulation or bypass of the autonomy and safety controller
- Wilful acts and gross negligence of the operator or its representatives
- Defects known before inception, and normal wear including battery ageing
- 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 25785-1, mobile and humanoid robot safety, in development
- ISO 10218, where the application remains in scope
- Battery and cell safety certification for the pack as deployed
Approved deployment zone
A defined space and autonomy level the unit is permitted to operate in. The premium couples to it.
Deployment audit
Current, and against ISO 25785-1 once that standard is in force.
Battery safety certification
For the cell and pack as deployed, not as originally specified.
Telemetry and event logs
Continuous, retained, and reconcilable to the unit, this class has almost no historical loss data to fall back on.
Fleet accumulation view
Exposure aggregated by maker, model, fleet and location, because one software update reaches every unit at once.
Built for
- Humanoid robot developers and makers
- Operators of humanoid fleets
- Logistics, service and facilities deployments
- Investors with concentrated exposure to a fleet
Capacity, limits, wordings and commercial terms are not published. They are structured per counterparty and shared directly under engagement.