Robot classes
What a robot costs to insure comes down to how close it gets to people and how fast it is moving when it does. Every rate below is quoted in the class baseline environment, with all five coverage lines switched on.
Hospitality Humanoid
Human-sized, front of house, hands full of hot liquid.
Restaurant runners, hotel concierges, retail floor greeters.
Renews automatically each year. Cancel any time.
4,500 USD / year at $85,000 replacement value, all five lines
What moves the premium
- Restaurant or bar floor Wet tile, hot liquid, glassware +15%
- Hotel lobby Wide floors, luggage, long shifts Baseline
- Retail floor Predictable aisles, low speed −5%
- Events and conferences Dense crowds, unfamiliar rooms +20%
Warehouse AMR
Heavy, fast, and rarely within arm’s reach of a stranger.
Autonomous mobile robots, pallet movers, inventory scanners.
Renews automatically each year. Cancel any time.
2,460 USD / year at $45,000 replacement value, all five lines
What moves the premium
- Fulfilment aisles Mapped racking, fixed routes Baseline
- Cold storage Condensation, battery stress +10%
- Mixed human and robot floor Pickers on foot alongside units +15%
- Lights-out facility No people on the floor at all −20%
Delivery Rover
Out in public, unsupervised, carrying somebody else’s dinner.
Sidewalk delivery bots, campus couriers, last-mile carts.
Renews automatically each year. Cancel any time.
3,144 USD / year at $28,000 replacement value, all five lines
What moves the premium
- Dense urban sidewalk Crowds, kerbs, theft, traffic +25%
- Suburban sidewalk Driveways, pets, quiet streets Baseline
- Campus or private property Controlled routes, known map −15%
- Indoor, multi-tenant building Lifts, lobbies, tight corners −10%
Home Companion
Lives with you. Knows the kids. Occasionally trips on a rug.
Household assistants, eldercare companions, tidy-up bots.
Prepaid for twelve months. Expires unless you renew it.
1,310 USD / year at $9,000 replacement value, all five lines
What moves the premium
- Home with children under 12 Toys underfoot, unpredictable paths +20%
- Home with pets Tails, sudden stops, fur in the intake +10%
- Adults only Settled routine, stable layout Baseline
- Assisted living or care setting Mobility aids, higher injury stakes +30%
Fleets of five or more units earn a credit against the whole policy, because a fleet that shares a map and a maintenance schedule is a better risk than the same number of strangers.