FISCHER RISK MANAGEMENT / INDUSTRIES

Robotics insurance. The machine is only part of the promise.

Hardware, software, installation, and customer promises meet in one system. Review the business behind your robotics and automation solutions.

An orange industrial robotic arm assembling precision components in a bright manufacturing cell.Request an Insurance Review

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Product Liability

Product Recall

Inventory, Cargo & Stock Throughput

Technology Errors & Omissions

Cyber Insurance

Management Liability

What does your robotics business deliver?

A robot manufacturer, component supplier, software developer, and systems integrator can have different responsibilities in the same deployment. Start with what your company designs, makes, sells, installs, programs, or maintains. Describe where the system operates and how customers depend on it.

Hardware, software, and services need a connected review.

Separate questions about injury or property damage from questions about customer financial loss, technology performance, and data security. Product liability, product E&O, technology E&O, and cyber insurance address different concerns. Ask how the proposed policies describe your activities, which exclusions apply, and where the parts of the program overlap or leave unresolved questions.

Detailed view of a processor and electronic circuit board.

Installation changes the conversation.

Explain whether employees work at customer sites, handle commissioning, modify existing machinery, or provide ongoing maintenance. Bring the scope of work and customer insurance requirements. Review premises and field operations, employee duties, subcontractor arrangements, and any equipment your team takes to a site.

What happens when the system does not meet expectations?

Consider a hypothetical automation deployment where a customer alleges reduced output after installation. Identify who supplied the equipment, wrote the control software, specified the process, and accepted the system. That description helps frame the insurance questions; it does not determine that any claim would be covered.

Connect testing and change control with the business description.

Prepare a high-level explanation of intended uses, testing, acceptance procedures, maintenance responsibilities, and changes after deployment. Include remote access and software updates where relevant. Use the procedures actually in place, and distinguish planned capabilities from the systems you currently supply.

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Your customer contract is part of the review.

Share performance commitments, insurance schedules, and decision deadlines through an agreed document-sharing process. Ask legal counsel about warranties, indemnities, and other legal obligations. Ask Cory to compare the insurance requirements with the actual policy terms. A certificate provides evidence; it does not rewrite the policy.

Bring the details behind the next deployment.

Start with your website, product and service overview, customer industries, sales territories, deployment locations, current policies, and renewal timing. Explain new applications, larger installations, or changes in hardware and software responsibilities. Further underwriting information depends on the operation and the coverage being considered.

Is robotics insurance a single standard policy?

Do not assume the industry label establishes a uniform package. Review the actual policies, endorsements, insured activities, and exclusions against the system and services you deliver. Specialized uses, such as medical devices or aviation, need explicit discussion rather than an assumption that a general robotics description is sufficient.

Coverage guides for the conversation

Related industry guides

A new deployment or customer agreement coming up?

Tell Cory what your system does, which parts your company supplies, and when you need to address the insurance requirements. Cory will follow up to discuss the business and the information needed for the next step.

Request an insurance review with Cory or call 845-721-0744.

Preparing for the conversation? Download the business insurance review checklist (PDF). No signup required.

Practical reading before your next decision

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Submitting an inquiry does not bind, amend, or cancel coverage. Coverage availability and terms depend on underwriting and the policy issued. Examples are illustrative.

Industry background: Technology insurance overview. Insurer product descriptions do not establish coverage for your business.