Insurance forautonomous systems
- Risk class
- Robotics Insurance
- Focus
- Humanoid · Industrial · Autonomous
- Related products
- NOVA
- Operating model
- Verify → Monitor → Prevent → Recover → Insure
Why the traditional market struggles
Industrial robotics has decades of actuarial history behind fixed, caged, deterministic machines. Embodied autonomy has almost none. A humanoid operating alongside people generates a liability surface that combines motor risk, product liability, employers' liability and software failure in a single event, and the fleet learns, so yesterday's loss data describes a system that no longer exists.
What we structurearound.
Bodily injury in shared environments
Third-party and employee injury where machines and people occupy the same space.
Product liability
Claims against the manufacturer arising from design, software or component failure in the field.
Fleet-wide software defect
Systemic exposure where a single update propagates a fault across an entire deployed population.
Property and business interruption
Damage to the machine, to surrounding assets, and interruption of the process it serves.
Perception and navigation failure
Sensor degradation, edge-case misclassification and control loss in unstructured environments.
Cyber-physical compromise
Remote interference with control systems, teleoperation channels or fleet management infrastructure.
What changes when the operator leaves the loop
| Human-operated | Autonomous | |
|---|---|---|
| Decision | A person, in the moment | A model, against a policy written earlier |
| Failure | Human error, one machine at a time | Behaviour under an input nobody anticipated |
| Evidence | An incident report, after the event | Telemetry, continuously, before and after |
| Unit of loss | The machine that failed | Every machine running the same build |
| Responsibility | Operator and employer | Design, software, integration and deployment |
The loop, appliedto this class.
- Verify
Assessment of safety architecture, operational design domain, certification posture and failure modes.
- Monitor
Telemetry-informed view of fleet hours, intervention rate, incident class and software version spread.
- Prevent
Deployment envelope conditions, staged rollout requirements and intervention thresholds.
- Recover
Coordinated response across injury, investigation, recall exposure and fleet grounding decisions.
- Insure
Programme structured across the manufacturer, the operator and the deployment site.
What stays under observation once the risk is bound.
- Operational design domain
- Fleet hours and utilisation
- Intervention and disengagement rate
- Software version distribution
- Proximity to human operators
- Certification and standards posture
- Field incident classification
- Humanoid robotics developers
- Industrial automation manufacturers
- Logistics and warehouse operators
- Autonomous machinery fleets
- Robotics-as-a-service platforms