Insurance for a world that moves on its own.
Your equipment policy was written for a machine that stays where you put it. Otto covers one that walks through a dining room carrying hot soup, talks to your guests, and occasionally gets it wrong.
A robot is not a photocopier.
Commercial property insurance treats a machine as an asset with a serial number and a depreciation schedule. That works fine while the machine stays bolted to the floor.
A humanoid on a restaurant floor is something else. It is an autonomous, mobile device operating in a chaotic, high-liability environment: wet tile, hot liquid, fragile glassware, and people who have had two drinks and want to know if it can dance.
It can hurt someone. It can be hurt by someone. It records everything it sees. It answers questions it has no business answering. And when it goes into a crate for repair, your Friday covers go with it.
Five ways a good shift goes wrong
Every one of these is a separate claim against a separate policy in the traditional market, assuming you can find someone to write them at all. Otto writes all five on one schedule.
- Bystander. Injury to people and damage to property that is not yours.
- Chassis. The robot itself. Replacement, not depreciated book value.
- Watchtower. Breach response, notification, and privacy liability.
- Second Thought. Harm caused by what the robot said, not what it did.
- Downtime. Revenue lost while the unit is in for repair.
One policy. Five lines. Priced separately, so you can see the maths.
Most insurers quote you a single number and dare you to ask how they got there. Here is the whole schedule for a high-end hospitality humanoid, and you can switch any line off except the first.
| Coverage line | Limit | Deductible | Annual premium |
|---|---|---|---|
| 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 | ||
We rate four kinds of machine.
What a robot costs to insure comes down to how close it gets to people and how fast it is moving when it does.
Quote, adjust, pay. Bound in about a minute.
Answer four questions
What kind of robot, what it cost, where it works, how many you run. No account, no broker, no forty-page application.
Customize your plan
Every line prices separately and every line except general liability can be switched off. The premium moves while you watch.
Pay with Fire Wallet
Approve the payment in your wallet. It confirms in about five seconds, and your certificate of insurance is issued against that transaction.
Premiums settle in USD through Fire Wallet. There are no card processing fees, so the number you are quoted is the number you pay. Commercial classes renew annually by default; home companion policies are prepaid for twelve months.
It is going to bump into someone.
Not today, probably. But it moves through a room full of people for eight hours a day, and eventually the maths catches up. Find out what covering that actually costs.