Get a quote – Ottosurance

Robot
Value
Environment
Fleet

Question 1 of 4 What are we covering? Pick the class that fits best. What a robot costs to insure comes down to how close it gets to people and how fast it is moving when it does.

Hospitality Humanoid Human-sized, front of house, hands full of hot liquid. Restaurant runners, hotel concierges, retail floor greeters. typical 4,500 USD / yr Warehouse AMR Heavy, fast, and rarely within arm’s reach of a stranger. Autonomous mobile robots, pallet movers, inventory scanners. typical 2,460 USD / yr Delivery Rover Out in public, unsupervised, carrying somebody else’s dinner. Sidewalk delivery bots, campus couriers, last-mile carts. typical 3,144 USD / yr Home Companion Lives with you. Knows the kids. Occasionally trips on a rug. Household assistants, eldercare companions, tidy-up bots. typical 1,310 USD / yr

Question 2 of 4 What would it cost to replace? Hardware replacement cost, not depreciated book value. This sets your Chassis limit, and Chassis is priced directly off it.

$85,000 replacement cost per unit

$40,000 $250,000

Chassis covers this figure in full, less a $2,500 deductible.

Question 4 of 4 How many units? One schedule covers the whole fleet. Five units or more earns a credit, because a fleet that shares a map and a maintenance schedule is a better risk than five strangers.

No fleet credit below five units.

Your quote

Hospitality Humanoid

Total annual premium

4,500.00 USD

Your coverage lines

Bystander Always included. General liability is the floor. 1,200.00 Chassis Tick to leave this line off your policy. 850.00 Watchtower Tick to leave this line off your policy. 1,400.00 Second Thought Tick to leave this line off your policy. 600.00 Downtime Tick to leave this line off your policy. 450.00

Hospitality Humanoid, hotel lobby, $85,000 replacement value, one unit. Premiums in USD.
Coverage line	Limit	Deductible	Per unit, per year
Bystander Commercial General Liability	$2,000,000 per occurrence	$1,500	1,200.00
Chassis First-Party Property	$85,000 aggregate	$2,500	850.00
Watchtower Cyber Risk and Privacy Liability	$1,000,000 aggregate	$5,000	1,400.00
Second Thought AI Behavioural Errors and Omissions	$500,000 aggregate	$2,500	600.00
Downtime Business Interruption	$500 per day, 30 days maximum	48 hours	450.00
Total annual premium			4,500.00

Every line except Bystander can be switched off, here or in the cart, and the premium updates while you watch. Nothing is charged until you approve the payment in Fire Wallet.