AI robotics insurance questions: software meets physical risk

Explain each party's role

A manufacturer, a software integrator, a fleet operator and a business using a leased robot may have different responsibilities. List the parties, their locations and the services they provide. Describe where the robot operates, who is nearby and whether people can intervene.

For a drone or vehicle, state that explicitly. Those activities require a specialist review; a general robotics label should not hide flight or road operations.

Describe two kinds of failure

One example might be a robot contacting a person or damaging property. Another might be an incorrect fleet command causing a customer service failure without a collision. Explain how each event would be detected, who would be affected and which company has contractual responsibility for the response.

These examples help a professional examine physical injury, property, product, technology service and other relevant wording together. They are not predictions of coverage.

Prepare operational evidence

• Operating locations and limits.
• Maintenance and update responsibility.
• Testing, warnings and operator training.
• Remote intervention and emergency stop procedures.
• Vendor and customer responsibilities.
• A high-level summary of incidents and changes.

Keep detailed logs and confidential contracts for a secure discussion with the appropriate professional. Do not upload them to a public learning page or initial marketplace request.

Ask about the interfaces between policies

Ask whether the described product, installation, software and operation are included in insured activities. Ask which exclusions, territories, subcontractor terms and reporting requirements could affect the review. A policy addressing a technology service may need to be considered alongside policies addressing physical operations.

LunarQuote can save a business risk request. Specialist matching depends on a verified licensed partner with relevant product access and capacity; neither matching nor coverage is guaranteed.

Primary sources

• NIST: AI Risk Management Framework
• Travelers: technology errors and omissions risk examples

Sources provide general context. The checklists and examples are LunarQuote educational material. An insurer reference does not imply a LunarQuote partnership, appointment or endorsement.