Robotics & physical AIE&S market

Humanoid & general-purpose robots

Companies building semi-humanoid robots for hire in hospitality and manufacturing, and general-purpose manipulation robots sold or leased for open-ended tasks rather than one fixed job.

Why it needs cover

The exposure

A general-purpose robot doesn't have a fixed task profile a carrier can underwrite against. It might carry a tray, load a bin, or hand someone a tool, and each of those puts it within arm's reach of a member of the public or a worker who never agreed to work alongside a machine like it.

What we place

Coverages this class usually needs

CGL with affirmative AI grantRequired (contract)

Third-party injury/property damage from the robot's operation, across whatever task it's assignedBase liability that has to hold up across a changing task list, not one fixed use case

Products & completed operationsRequired (contract)

Claims from the robot's decisions or design surfacing after deploymentThe manufacturer's exposure doesn't end at delivery

Equipment (inland marine)Often

Physical damage to the unitsHigh-value hardware moving between sites

Tech E&O / professionalOften (contract)

Errors in the perception or control softwareThe decision-making layer carries its own exposure

What it costs

National benchmark premiums

Rated on: Units deployed and hours in service

Full program

Quoted per program; driven by deployed fleet size, contracts, and limits.

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

There is no class code for a robot whose job changes week to week, so admitted carriers have nothing to rate it against. This places E&S from day one.

Contact

Talk to us about Humanoid & general-purpose robots.

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.