division b · physical ai
the physical ai divisions
b1 · embodied
liability cover for humanoid fleets in industrial, logistics, hospitality, and domestic settings. bodily injury, third-party property damage, and the operational perils of machines designed to work near people.
b2 · industrial
amrs, warehouse and delivery robots, agriculture, construction, and mining autonomy. general liability plus errors & omissions for developers, operators, and service providers, priced from fleet telemetry.
b3 · aerial
commercial drone liability and hull, written the way the mature drone market taught the industry to write it.
b4 · consumer
product liability for ai-embedded devices: companion robots, ai appliances, autonomous tools, and consumer robotics. covers manufacturer and deployer for failures of the ai behavior layer.
b5 · mobility
participation in autonomous-vehicle fleet programs on the agentic software layer: the decision system, not the sheet metal.
asked before binding
a very small market today. goodfault underwrites humanoid and general-purpose robots as a named division of its physical ai book, on the same engine it uses for software agents: priced on what the machine is permitted to do, with credits for safeguards enforced in code.
bodily injury, third-party property damage, and the operational perils of machines that work near people, across industrial, logistics, hospitality, and domestic deployments. when ai gets a body, errors stop being purely financial. we cover that.
iso 10218 robot safety and iso 3691-4 amr safety are the physical-side audits we recognize, alongside the ai-side set (aiuc-1, iso/iec 42001, nist ai rmf). certification tiers act as levers on your rate.
from fleet telemetry where it exists: authority, autonomy tier, irreversibility, reach, and rate, plus control credits for geofencing, speed limits, kill-switches, and rollback. renewal tracks how the fleet actually behaved.
software agents instead? see ai agent insurance, the full coverage ledger, or every question answered.
how it works