The industrial robotics sector is rapidly shaping the future of manufacturing—delivering precision, efficiency, and automation across industries from aerospace to automotive. But behind every robotic arm, AI-integrated system, or autonomous assembly line lies a world of operational risk. If you’re in the business of designing, producing, or installing robotics systems, having the right industrial robotics manufacturing insurance is critical to safeguarding your company.
Whether you operate in California or across the USA, protecting your complex machinery, intellectual property, and high-value projects with customised coverage is more than smart—it’s essential.
Why Industrial Robotics Manufacturers Need Specialised Insurance
The production and integration of robotics systems come with multifaceted exposures, including:
Product malfunction or failure
Software errors or coding faults
Client property damage during installation
Employee injury from automated equipment
IP theft and cyber risks
High-cost machinery breakdown
One defect in a robotic welding arm or autonomous sorting system could lead to costly downtime for your client—or legal claims against your business. That’s why your insurance plan must go beyond general coverage to address the technical realities of robotics manufacturing.
Core Insurance Coverages for Robotics Manufacturers
General Liability Insurance
Protects against third-party bodily injury and property damage. For example, if a robot malfunctions during a client demo and causes damage, this policy helps cover the cost of repairs or lawsuits. See more about General Liability Insurance in California.
Product Liability Insurance
Essential for robotics manufacturers. Covers you in case a robot or automation system you manufacture fails and causes damage, injury, or financial loss to a client.
Commercial Property Insurance
Protects your factory, development lab, and physical assets—like robotic tooling, parts inventory, and specialised manufacturing equipment—from fire, theft, and natural disasters.
Business Owner’s Policy (BOP)
A Business Owner’s Policy combines General Liability, Commercial Property, and Business Interruption Insurance into one cost-effective bundle. Perfect for small to mid-sized robotics firms with physical premises.
Workers’ Compensation Insurance
Robotics manufacturing involves technicians, machine operators, and engineers working near heavy machinery. This insurance is required in California and covers employee injuries, medical care, and lost wages. Learn more at Western Insurance.
Commercial Auto Insurance
Covers company vehicles used for deliveries, service calls, or transport of robotic systems.
Advanced & Optional Robotics Insurance Coverages
Professional Liability (Errors & Omissions Insurance)
If your robotics systems involve programming, AI, or system integration services, this covers errors in your code or flawed system recommendations that cause client losses.
Cyber Liability Insurance
Industrial robots often run on connected software. If your systems are hacked or a software flaw exposes client data, this insurance helps cover legal, technical, and recovery costs.
Equipment Breakdown Insurance
Protects against internal failures of electrical panels, robotic arms, AI controllers, and CNC machines essential to your production line.
Intellectual Property Insurance
Covers legal costs if your company is sued for IP infringement—or if you need to defend your proprietary robotics designs and code.
Installation Floater Insurance
Covers your robotic equipment while it’s in transit to the job site or during client installation.
Surety Bonds
Required for robotics manufacturers involved in government contracts or large-scale integration projects. For details, visit Surety Bond Insurance California.
Factors That Impact Your Insurance Rates
Your premium will vary based on:
Type and scale of robotics being manufactured
Revenue and project volume
Export activities or international clients
Use of subcontractors or third-party software
Cybersecurity safeguards and risk mitigation
Number of employees and facility locations
Equipment value and automation levels
Our specialists work closely with you to understand these variables and build a plan tailored to your needs.
Why Choose Us for Robotics Manufacturing Insurance?
We specialise in Manufacturer Insurance in California and understand the intricacies of the robotics and automation industry. Whether you produce end-effectors, smart conveyors, or full robotic cells, we help you stay protected—at every production stage and in every state you operate.
Ready to Automate with Confidence?
Don’t leave your innovation exposed to liability, downtime, or litigation. With custom robotics insurance, you can focus on transforming industries without worrying about setbacks.
Contact us today to get a quote or schedule a consultation. We’re here to help your robotics company thrive—safely and securely.