Insurance for Autonomous Machines
Covernaut makes it simple to insure robots against liability, physical damage, theft, cyber compromise, equipment failure, and real-world operational risk.
Built for the robotics economy: warehouses, factories, hospitals, farms, delivery fleets, service robots, humanoids, and more.
CV-AX2 Warehouse Robot
Liability · Collision · Cyber
Robots Are Moving Into the Real World. Risk Is Moving With Them.
Robots no longer sit safely inside controlled labs. They move through warehouses, factories, hospitals, sidewalks, farms, restaurants, homes, and public spaces. They can damage inventory, collide with people, knock over shelving, cause production downtime, malfunction outside warranty, or be destroyed by fire, water, theft, or cyber compromise.
Physical Risk
Collision, fire, water damage, theft, vandalism, transport damage, and equipment breakdown.
Liability Risk
Bodily injury, property damage, customer-site incidents, and third-party claims.
Technology Risk
Software failure, cyber compromise, integration errors, autonomy failures, and operational downtime.
Coverage Built Like Car Insurance — Designed for Robots.
Mix and match coverages to match how your robot actually operates.
Liability Coverage
Protection if your robot injures someone or damages third-party property.
Collision Coverage
Coverage if the robot is damaged in a crash, impact, fall, or operational accident.
Comprehensive Coverage
Protection from fire, theft, vandalism, water damage, sprinkler discharge, weather events, and other non-collision losses.
Equipment Breakdown
Coverage when expensive components fail outside the OEM warranty.
Cyber & Control-System Risk
Protection for cyber incidents, unauthorized access, data exposure, or compromised robot operations.
Business Interruption
Coverage for downtime when a covered robot failure disrupts revenue, production, fulfillment, or operations.
Inland Marine / Transit
Coverage while robots are transported, demonstrated, deployed, leased, or moved between sites.
Warranty Gap Protection
Protection for high-value robots after the 1–2 year OEM warranty expires.
What Happens When a $60,000 Robot Fails Outside Warranty?
Warranties are not insurance. Most OEM warranties cover defects in materials or workmanship for a limited period. They usually do not cover accidents, water damage, fire, theft, cyber incidents, customer-site damage, business interruption, or equipment failure after the warranty expires. Covernaut helps close the gap between expensive robotic assets and the real-world risks businesses face every day.
OEM Warranty
1–2 yrs
Defects only
Operational Life
5–7 yrs
Real-world use
Avg Robot Value
$45k+
At risk daily
Covernaut
Years 2+
Insurance protection
If the Sprinklers Go Off, Who Pays for the Robot?
A robot can be destroyed without ever making a mistake. A fire suppression system, broken pipe, flood, electrical surge, or building incident can damage or destroy an expensive robotic asset. Covernaut gives businesses a clearer path to coverage when warranties stop short.
Built for Every Class of Autonomous Machine.
Warehouse Robots
AMRs, AGVs, pick-and-place, autonomous forklifts.
Humanoid Robots
Bipedal and humanoid systems in industrial and service roles.
Delivery Robots
Sidewalk, last-mile, and indoor delivery platforms.
Cleaning Robots
Commercial floor care, sanitization, and facility robots.
Security Robots
Patrol, surveillance, and perimeter monitoring robots.
Agricultural Robots
Field robots, harvesters, sprayers, and orchard systems.
Medical & Healthcare
Surgical assist, logistics, and clinical service robots.
Industrial Robots
Arms, cobots, and integrated cell automation.
Restaurant & Hospitality
Food prep, delivery, and front-of-house service robots.
Drones & Field Robotics
UAVs, inspection drones, and outdoor mobile robotics.
Get Covered in Minutes.
Identify Your Robot
Enter the manufacturer, model, serial number, value, and ownership status.
Describe Its Job
Tell us what the robot does, where it operates, and whether it works near people, vehicles, inventory, or equipment.
Choose Coverage
Select liability, collision, comprehensive, equipment breakdown, cyber, transit, business interruption, and warranty gap options.
Get a Quote
Receive an instant estimate or submit for underwriting review if the robot requires specialized coverage.
Activate Coverage
Bind coverage, download proof of insurance, and manage policies from your Covernaut dashboard.
Robotics is moving faster than insurance.
Robotics adoption is accelerating faster than the insurance infrastructure around it. Businesses are deploying expensive autonomous machines into complex physical environments, but traditional policies were not built for robots that combine hardware, software, sensors, AI models, batteries, cloud connectivity, and real-world movement. Covernaut exists to make robotics adoption safer, faster, and easier to finance.
When Something Goes Wrong, Covernaut Helps You Move Fast.
Robot Damaged
Report collision, fire, water, theft, vandalism, or covered equipment damage.
Third-Party Claim
Start a liability claim if your robot injures someone or damages property.
Operational Disruption
Document downtime, business interruption, or covered loss events.
Questions about insuring robots.
Insure your robot in minutes.
Tell us about your robot and operations. We'll match you with coverage built for the robotics economy.