Robotics & physical AIE&S market

Construction & field robotics

Companies building autonomous heavy-lift and site robots for solar farms and data centers, and excavator retrofit-autonomy kits, including hardware headed for lunar construction contracts.

Why it needs cover

The exposure

No admitted carrier has a class code or loss history for a machine that lifts, digs, or grades on its own decision-making. A collision, a mis-graded slope, or a dropped load while the machine runs unsupervised creates liability no standard form was built to answer, and the exposure follows the machine long after it ships.

What we place

Coverages this class usually needs

CGL with affirmative AI grantRequired (contract)

Third-party injury and property damage, with the AI exclusion replaced by an affirmative grant covering the autonomy stackBase liability that doesn't go silent the moment the machine operates itself

Products & completed operationsRequired (contract)

Claims arising after delivery from the machine's decisions or designAn autonomy failure surfaces as a claim well after the sale

Equipment (inland marine)Often

Physical damage to the machines themselvesFleet value in the field

Tech E&O / professionalOften (contract)

Errors in the autonomy software or sensor designThe decision-making layer carries a professional-services exposure of its own

ExcessOften (contract)

Limits above the primary programBuyers and lenders want severity capacity a single primary line won't carry

What it costs

National benchmark premiums

Rated on: Units in the field and machine hours

Full program (CGL + products/completed ops + equipment + excess)

$100,000-$400,000/yr

Pricing figures are Risklytics program design targets, not published cost-guide data or quotes. Only construction & field robotics and warehouse & logistics robotics carry dollar figures, because Risklytics has built and priced real programs against them; every other class uses a qualitative pricing statement until a program is priced. Your premium depends on fleet size, contract structure, limits, deductible, and loss history.

Sources: Risklytics program design targets.

When it goes E&S

Where this risk gets hard to place

No admitted carrier has filed a class code or built loss history for autonomous heavy-lift construction robots, so this class is E&S from day one. The manuscript AI grant that makes the CGL meaningful currently only lives on E&S paper.

Contact

Talk to us about Construction & field robotics.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.