Robotics Insurance | Axis Insurance

Purpose Built Insurance & Risk Advisory for Autonomous Systems

As autonomy scales and robots move into live commercial environments, robots are increasingly interacting with other robots, networks, and commercial systems, increasing systemic and interdependency risk. Failures can result in real world financial, operational, and physical loss.

Robotics companies operate at the intersection of software, artificial intelligence, and physical systems, creating physical, digital, contractual, and intellectual property risks that demand purpose built insurance.

Traditional insurance was not designed for machines that perceive their environment, make independent decisions, and physically interact with people, property, and mission-critical infrastructure. Traditional insurance frameworks often struggle to respond to:

  • AI decision making and perception errors
  • Cyber events that cause physical damage or loss of control
  • Identity, authentication, and trust layer failures across connected robotic fleets
  • Technology driven outages without physical damage
  • Multi party liability across software, hardware, data, and cloud providers

Axis designs insurance programs that respond when autonomous systems fail in real-world operations.

Deep Robotics Expertise Securing the Right Coverage

Robotics risk is inherently technical. Effective coverage requires brokers who understand how autonomy stacks are designed, deployed, governed, and how failures propagate across systems.

Axis brings deep expertise across:

  • Autonomous decision making and AI architectures
  • Hardware-software sensor integration
  • Cloud-connected and remotely orchestrated systems
  • Cyber-physical and technology driven loss scenarios
  • Intellectual Property Risk

We maintain exclusive relationships with specialty underwriters who have a long-term focus on robotics, AI, and advanced technology risk, allowing us to structure coverage that reflects how autonomous systems actually operate. Through these dedicated relationships and our technical understanding of the risk, we are uniquely positioned to deliver bespoke insurance solutions and consistently secure highly competitive pricing.

Why Robotics-Enabled Firms Choose Axis Insurance

  • Robotics & Autonomy Expertise: We understand robotics architectures, deployment models, and liability pathways, allowing us to position your company as a well managed autonomy risk to insurers.
  • Axis Technology Risk Compass: Our proprietary risk assessment tool provides a clear diagnostic of your current control environment, identifying priority gaps and delivering a practical improvement roadmap that strengthens your risk profile and directly supports better insurance outcomes.
  • Streamlined Insurance Application Process: The insights from our Axis Technology Risk Compass feed directly into insurer applications and underwriting submissions, reducing duplicate information requests, shortening review cycles, and accelerating placement with higher confidence from specialty markets.
  • Risk Advisory Beyond Insurance: Axis provides risk advisory support that improves insurability and reduces loss frequency, including contract and SLA structuring, AI and data governance guidance, deployment and testing risk mitigation, and cyber and incident response planning.
  • Superior Coverage Structure & Terms: By clearly presenting your technology, testing, and governance, we secure broader terms and fewer exclusions from specialty markets.
  • Purpose Built Insurance Programs: No off the shelf policies. Every program is tailored to your system design and structured to scale as fleets, automation density, and commercial exposure grow.
  • Trusted Across Growth Stages: Axis supports robotics companies from early pilots to large scale commercial deployment.

Who We Serve

Axis partners across the robotics ecosystem, including:

  • Robotics system integrators and solution providers combining third-party hardware, sensors, software, and AI into operational robotic platforms
  • Robotics-as-a-Service (RaaS) operators responsible for fleet ownership, uptime, performance guarantees, and commercial liability
  • AI and autonomy software developers
  • Autonomous robotics and hardware manufacturers
  • LiDAR, vision, and sensor providers
  • Industrial, agricultural, mining, mobility, and infrastructure deployments
  • Research, testing, and pilot environments

Why Autonomous Robotics Require Specialized Insurance

Autonomous risk does not fit neatly into conventional insurance categories. Many losses are hybrid, and a single incident can involve a defective component, a flawed AI decision, a cyber event, and a calibration or configuration issue. Insurance programs must be structured to respond to interdependent cyber physical and hardware software AI risk, rather than isolated failures. Axis specializes in multi-vendor robotics risk, where liability, performance obligations, and loss attribution span software developers, hardware manufacturers, sensor providers, data platforms, and cloud infrastructure.

Autonomous System Failure

AI, perception, or navigation errors causing operational shutdown, bodily injury, or property damage

Cyber-Induced Physical Loss

Ransomware or system compromise triggering loss of command, unsafe behavior, or immobilized fleets

Technology Driven Business Interruption

Downtime caused by software bugs, failed updates, or third party outages, often without physical damage

Third Party Component Dependency

Sensors, firmware, APIs, or cloud services introducing upstream failures that shift liability to the system integrator

Third Party Integration

A defect in a third-party perception or sensor component; firmware bugs, undocumented features, or calibration mismatches; or upstream API or cloud outages

Intellectual Property & Contractual Exposure

Patent claims, licensing disputes, SLA guarantees, and indemnity heavy commercial contracts

BEYOND INSURANCE

Risk Management Support

We help robotics companies proactively mitigate risks with:

Contract & Terms of Service Reviews
Ensuring contractual agreements minimize liability exposure.

Incident Response Planning
Developing strategies to address cybersecurity breaches and service outages.

Regulatory Compliance Monitoring
Keeping up with evolving data privacy and robotics industry regulations.

Internal Risk Audits
Strengthening operational resilience and governance.

    Frequently Asked Questions

    Autonomous robotics companies typically need Technology E&O, Cyber Liability, Product Liability, Intellectual Property Insurance, and technology driven Business Interruption coverage to address AI errors, system failures, cyber physical incidents, and resulting financial or physical loss.

      Standard liability and cyber policies were not designed for autonomous systems and often exclude AI decision errors, autonomous failures, cyber induced physical damage, and technology outages without physical loss.

        Yes. Technology E&O is increasingly required for commercial robotics deployments in Canada and covers financial loss from AI errors, software bugs, integration failures, downtime, and unmet service obligations.

          Robotics systems rely heavily on third party components, but liability often falls on the system integrator or operator, even when failures originate upstream.

            Not always. Many cyber policies exclude or limit coverage for cyber events that cause bodily injury, property damage, or operational shutdowns.

              Yes. Robotics and AI companies are frequent targets of patent infringement claims, including those from non practicing entities.

                Axis Insurance works directly with global specialty underwriters offering coverage designed specifically for autonomous systems, AI, LiDAR, sensing technologies, and advanced robotics. These markets support risks that standard insurers typically decline or restrict.

                  Axis provides risk advisory support, including contract structuring, governance guidance, deployment risk mitigation, and cybersecurity planning.

                    Secure Your Robotics Business Today

                    Protect your company from cyber threats, contractual risks, and operational disruptions with tailored insurance solutions. Connect with our team for a free consultation and risk assessment—so you can scale with confidence.

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                    Our Technology Insurance Team