MACHINA-SURE
- Overview
- Insurance for industrial robots
- What it protects
- The fenced cell: the machine, the people who maintain it, and the production that depends on it.
- Written against
- ISO 10218-1 and ISO 10218-2:2025, industrial robot safety
Insurance for industrial robots
Cover modules
- Core operator liability
Third-party bodily injury and property damage arising from robot operation, including maintenance and intervention where the work is evidenced.
- Machinery and hull
Own damage to the robot from collision, malfunction or internal operating failure.
- Business interruption
Loss of income and additional cost following a covered outage of the cell.
- Control takeover
Loss from manipulation or unauthorised takeover of the robot controller.
- Serial defect and recall
Recall and consequential cost for the integrator where a defect reaches a series rather than a unit.
Perils covered
- Third-party bodily injury and property damage in normal operation
- Incidents during documented maintenance and intervention
- Own damage to the robot
- Loss of income after a covered outage
- Control takeover and manipulation
- Recall cost in a serial-defect event
Never covered
- Operation without valid CE marking or without the separating safeguard
- 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 10218-1 and ISO 10218-2:2025, industrial robot safety
- CE marking under the applicable machinery regime
- ANSI/A3 R15.06-2025, where the deployment is North American
Documented risk assessment
A current assessment per ISO 10218-1 and -2, covering the cell as it is actually built.
Valid CE marking
In place and current. Without conforming safeguarding, cover does not attach.
Deployment audit
Evidence that the installation matches the assessment. This is a condition of inception, not a matter of claim.
Fleet and asset record
A reconcilable per-unit inventory: serial number, value, location and duty profile.
Maintenance and event data
A defined maintenance plan, incident governance, and event logs kept as they occur.
Built for
- Manufacturers operating robot cells
- System integrators and cell builders
- Contract manufacturers and their insurers
- Logistics and warehousing automation
Draws on
Capacity, limits, wordings and commercial terms are not published. They are structured per counterparty and shared directly under engagement.