Embedded Insurance for Robotics OEMs
Covernaut helps robot manufacturers offer insurance directly at the point of sale — turning customer risk into revenue while making robot purchases easier, safer, and more financeable.
Whether your customers are buying a $25,000 cleaning robot, a $60,000 warehouse robot, a $150,000 agricultural robot, or an enterprise fleet of autonomous machines, insurance should not be an afterthought. Covernaut makes coverage a default or add-on option inside the original sales process.
- Liability
- Physical Damage
- Theft
- Water Damage
- Equipment Breakdown
- Cyber
Robot Buyers Are Taking on More Risk Than They Realize.
Robotics customers are buying expensive machines that move, sense, act, connect to software, operate around people, and work inside complex physical environments. But most buyers only receive a limited OEM warranty. That warranty may cover defects in materials or workmanship, but it usually does not cover collision, theft, fire, water damage, sprinkler discharge, cyber incidents, customer-site damage, business interruption, or post-warranty equipment failure.
High-Cost Asset Risk
Robots can cost tens or hundreds of thousands of dollars. If a unit fails outside warranty or is destroyed in the field, the customer may face a major capital loss.
Deployment Risk
Robots operate in warehouses, factories, hospitals, farms, sidewalks, retail stores, and customer sites where accidents, property damage, and liability claims can occur.
Adoption Friction
Unclear risk slows sales. Buyers hesitate when they are unsure who pays if the robot breaks, causes damage, gets stolen, or creates downtime.
Convert Risk Into Monetization.
Covernaut gives robotics OEMs a new way to monetize the risk already present in every robot transaction. Instead of leaving customers to figure out insurance after purchase, OEMs can offer embedded coverage directly on the original quote, invoice, financing package, or RaaS agreement.
Increase Average Order Value
Add insurance as a default or optional line item on the robot invoice, increasing total transaction value without changing the core hardware price.
Improve Close Rates
Give buyers confidence that their robot is protected against real-world loss, damage, liability, and warranty gaps.
Create Partner Revenue
Generate commission, referral, revenue-share, or program economics from policies sold through your OEM channel.
Protect Customer Relationships
Help customers recover quickly when something goes wrong, instead of leaving them frustrated with warranty exclusions or unclear coverage.
Insurance Built Into the Robot Sale.
Covernaut integrates into your existing sales motion so insurance can be offered before the robot is delivered, deployed, financed, or activated.
Robot Quoted
OEM prepares the quote or invoice for the customer.
Coverage Offered
Covernaut appears as a default or optional insurance line item.
Customer Accepts
Customer chooses coverage during purchase, financing, lease, or RaaS onboarding.
Policy Issued
Covernaut binds coverage, delivers proof of insurance, and stores policy documents.
OEM Monetizes
OEM earns program revenue while reducing buyer risk and improving customer confidence.
Offer Coverage as a Default, Add-On, or Required Protection Layer.
Default Coverage
Include Covernaut protection by default in every customer proposal, with the option for customers to remove or modify coverage.
Higher-value robots, commercial deployments, financed equipment, and public/customer-facing use cases.
Optional Add-On
Offer insurance as a clearly priced line item during checkout, invoicing, or contract review.
Lower-friction sales motions, self-serve ordering, and smaller robot purchases.
Required Coverage
Require proof of insurance before deployment, with Covernaut as the preferred embedded option.
RaaS fleets, leased equipment, financed robots, customer-site deployments, and high-risk operating environments.
Coverage Your Customers Actually Need.
Liability Coverage
Bodily injury and third-party property damage.
Physical Damage
Collision, impact, drops, operational accidents, and field damage.
Comprehensive Protection
Theft, fire, vandalism, water damage, sprinkler discharge, and non-collision losses.
Equipment Breakdown
Protection when expensive components fail outside warranty.
Cyber & Control Systems
Coverage for cyber incidents, unauthorized access, and compromised robot operations.
Business Interruption
Coverage for covered downtime that disrupts operations, production, or fulfillment.
Transit & Deployment
Coverage while robots are transported, demonstrated, installed, or deployed.
Warranty Gap Protection
Protection after the OEM warranty expires or where warranty exclusions apply.
Robotics Adoption Is Accelerating. Insurance Has Not Caught Up.
Robotics OEMs are selling increasingly sophisticated machines into increasingly complex environments. Robots now combine hardware, batteries, sensors, software, autonomy, cloud connectivity, AI models, and real-world movement. Traditional insurance products were not designed around this risk profile, and most customers do not know how to properly insure these assets on their own.
The OEM that solves risk at the point of sale will have a meaningful advantage. Insurance can become part of the buying experience, not a painful afterthought.
Make Risk a Sales Advantage.
Covernaut gives OEM sales teams a stronger answer when buyers ask: What happens if the robot breaks? What happens if it damages property? What happens after the warranty expires? What happens if a sprinkler system destroys the unit? What happens if the robot is stolen, hacked, or damaged in transit?
Stronger Buyer Confidence
Customers can move forward knowing they have a protection plan beyond the limited warranty.
Cleaner Financing Conversations
Lenders, lessors, and CFOs prefer assets with clear insurance coverage.
Better Objection Handling
Sales teams can address operational risk before it slows the deal.
Higher Attach Rates
Insurance offered at the point of sale is easier to adopt than coverage pursued after purchase.
Add a New Revenue Layer to Every Robot Sold.
Covernaut helps robotics OEMs participate in the insurance economics created by their own customer base. Instead of letting that value leak to disconnected brokers or generic insurers, OEMs can build an embedded insurance channel that grows with robot sales, fleet expansion, renewals, and customer adoption.
Configure your embedded program
$1.06 Million face value × 100 robots
Example for illustration only. Actual premiums, coverage, compensation, and partner economics vary by robot type, use case, jurisdiction, underwriting, and program structure.
Built for Your Sales Motion.
Invoice Add-On
Add Covernaut protection as a line item on the original robot invoice.
Quote Integration
Include estimated insurance pricing directly inside sales proposals.
Checkout Widget
Embed a coverage option into digital ordering or self-serve checkout.
API Integration
Connect robot, customer, serial number, location, and coverage data directly to Covernaut.
RaaS & Leasing
Bundle required or optional coverage into recurring robot-as-a-service or leasing agreements.
Dealer & Channel Support
Enable distributors, resellers, and integration partners to offer coverage at the point of sale.
Manage Your Embedded Insurance Program.
Covernaut gives OEM partners visibility into program performance, policy adoption, renewal opportunities, and customer protection status.
Who Should Partner With Covernaut?
Insurance Infrastructure Without the Operational Burden.
Covernaut handles the insurance workflow so OEMs can focus on building and selling robots. The program is designed to support quoting, underwriting, documentation, policy issuance, renewals, claims intake, and partner reporting.
Insurance products, underwriting, availability, commissions, and program structures may vary by jurisdiction, carrier, robot type, and use case. Covernaut will work with licensed insurance partners where required.
- Quoting & underwriting
- Documentation & proof of insurance
- Policy issuance & renewals
- Claims intake workflow
- Partner reporting & reconciliation
Turn Every Robot Sale Into a Protected Robot Sale.
Partner with Covernaut to embed insurance into your sales process, increase customer confidence, and monetize the risk layer of robotics.
Request OEM Partner Demo
Tell us about your robotics business and how you'd like to embed coverage into your sales process.