Two companies are betting that robots need insurance the same way smartphones need warranties — baked in from the start.
Zurich Insurance (Hong Kong) and YAS have announced an embedded insurance product aimed specifically at robots, according to Taiwan News. The partnership marks one of the first moves to treat robotic systems as insurable assets in a way that is bundled into the product itself, rather than sold separately as an afterthought.
Embedded insurance means the coverage is integrated directly into the purchase or deployment of a product — think of it like how some credit cards automatically insure items you buy with them, except here it applies to robotic equipment. The idea is to remove friction: instead of a business having to seek out a separate policy for each machine it deploys, the protection comes along for the ride.
The announcement comes as robots move out of tightly controlled factory floors and into more unpredictable environments — warehouses, hospitals, retail stores, and even public spaces. In those settings, the question of who is liable when something goes wrong becomes much more complicated, and standard commercial insurance policies may not be designed to handle it.
By pairing with YAS, a digital insurance platform, Zurich appears to be positioning for a future where robot fleets could be as common as company vehicles — and just as routinely insured.
If robotics adoption continues to accelerate, the infrastructure built now to cover these machines financially could shape how entire industries manage risk for decades to come.