Robotics & physical AIE&S market

Warehouse & logistics robotics

Companies deploying pick, load, and palletize robots priced per pick, container-unloading robots for carriers like DHL and CEVA, and robots-for-hire leased into someone else's warehouse.

Why it needs cover

The exposure

The exposure runs with the machine, not with whoever owns the building it's working in. A dropped pallet or a misjudged reach into a moving line reads the same as any workplace injury to the person standing nearby, but no admitted carrier has priced a robot making that call on its own.

What we place

Coverages this class usually needs

CGL with affirmative AI grant (master policy)Required (contract)

Third-party injury/property damage across the deployed fleetOne policy has to cover every leased or hired-out unit wherever it's working

Additional insured endorsement (host sites)Required (contract)

Extends the fleet owner's coverage to the warehouse or carrier operating alongside the robotsWarehouse operators and carriers won't take a robot fleet onto their floor without it

Equipment (inland marine)Often

Physical damage to the fleetThe hardware is the asset

Products & completed operationsOften

Claims from a unit's past work surfacing laterSame long-tail exposure as any equipment manufacturer, carried by whoever owns the fleet

ExcessOften (contract)

Limits above the master policyFleet-wide severity

What it costs

National benchmark premiums

Rated on: Machine hours and per-pick or per-unload volume

Master policy

roughly $1,200 per unit-month, built into the lease or per-pick rate

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

Same absence of an admitted class code and loss history as any autonomous equipment class; the master-policy/additional-insured structure that makes a leased fleet workable at a host warehouse is built on E&S paper.

Contact

Talk to us about Warehouse & logistics 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.