The specialty insurance MGA built for autonomous systems
Physical AI is deploying. The insurance market hasn't formed yet. PolySea writes the risk the standard market is fleeing, priced on engineering controls and live telemetry, not generic occupancy class.
See the live platform work
Telemetry captured at binding, AI claims reporting, and carrier-ready submissions — three surfaces from the underwriting workspace running at app.polysea.ai.
An underwriting framework built on the standards the market already prices to
Physical AI is deploying. The insurance market hasn't formed yet.
Today's early-adopter operators are already underserved, and the broad deployment wave is still ahead.
of North American warehouses have automated. An 80% deployment runway is still ahead.
MHI Annual Industry Report, 2025
of operators plan to buy automation within 5 years; 45% within 3 years.
MHI Annual Industry Report, 2025
AGV and AMR units installed across North America — the deployment curve is in its early innings.
STIQ AGV & AMR Robotics Report, 2025
global AMR market by 2030, up from $4.5B in 2025, a 21% CAGR. Our TAM grows with the deployment cycle.
Mordor + Interact Analysis
Built for the segments standard carriers are fleeing.
Physical AI isn't one risk. It's four severity profiles with little dedicated capacity. PolySea writes each on a framework matched to how it actually fails, and a program that scales with the deployment.
Warehouse robotics & automation
AMRs · AGVs · AS/RS · automated DCs · cold storage
Dense automation, lithium-ion battery banks, and charging infrastructure concentrate a severity profile that generic property and GL were never priced for. Sprinklers can't extinguish a Li-Ion thermal runaway, so protection is about containment, and production pressure, not the robots, drives the injuries.
Autonomous trucking
L3+ ADS fleets · long-haul · drayage
Nuclear verdicts have reset the price floor. Benavides v. Tesla put $243M behind the first AV wrongful-death case (now under appeal). Dedicated capacity for autonomous fleets remains scarce exactly where deployment is accelerating.
Drones & UAS
BVLOS · commercial fleets · inspection · delivery
Commercial drone operations carry hull, high-value sensor payloads (LiDAR, thermal, multispectral), and third-party liability, written today by retreating standard markets with no dedicated specialty MGA model at scale. One coordinated policy across the fleet, not a patchwork.
Humanoids
Bipedal robots · manufacturing · logistics
No insurance class exists yet. PolySea defines it. Humanoids are 100% lithium-ion by energy-density necessity and deploy into vehicle and electronics manufacturing environments where robot-arm litigation (Hinterdobler v. FANUC, $51M) is already live.
One coordinated program across all four segments, priced on the engineering controls and telemetry that define each operator's actual exposure.
Engineering depth no incumbent has assembled
PolySea prices the operation, not the building. It's a compound advantage of engineering controls, live telemetry, and real-time risk notification that carriers can't replicate without rebuilding their systems.
Engineering-controls underwriting
Four parallel catalogs covering Li-Ion (FM Global DS 7-112), hydrogen (NFPA 2), stationary robots (ANSI/RIA R15.06), and lead-acid (OSHA 1910.178) translate published standards into specific underwriting questions and credit-earning thresholds.
Telemetry-fed data layer
Proprietary operator telemetry captured at policy binding: State of Charge, charging cycles, fleet composition. The same structural moat cyber insurers built on opt-in telemetry, applied to physical AI.
Active Monitoring
We monitor and notify; the operator decides how to act. Telemetry-grounded operational diligence: signals reach the people who can act on them, in time to matter.
Operating-model underwriting
Production pressure is the injury driver, not automation. GXO and Lineage run 2–5× safer than Amazon at comparable automation density. We ask the submission question no incumbent asks.
Two products, two buyers, one underwriter
Landlord property gap-fill and operator coverage feed the same data layer. A cross-discount aligns landlord and tenant. PolySea sits on both sides of the lease, with the cheapest pricing for compliant configurations.
Dynamic exposure adjustment
Operators change fleet composition on Monday and have their premium adjusted by Friday. No standard-market carrier offers this. The platform matches the operational tempo of the operators we underwrite.
Six lines. One coordinated program.
PolySea writes a coordinated program, not fragmented per-line policies, with the same architecture across every line.
NCCI 8292 / 8293 / 7219 / 3724
Cause-of-loss schedule credit + operating-model filter
Li-Ion banks, AMR fleets, AS/RS, cyber-triggered
Li-Ion endorsement + SOC pricing + HC-3 engineering credit
Mobile robotic equipment (AMRs in operation)
Manuscripted Robotic Equipment Floater + continuous reporting
Warehouses, automated DCs, cold storage
FM engineering-controls credit + cyber-triggered BI extension
Third-party BI/PD from autonomous operations
ISO Sept 2024 AV/EV classes + Koop coordination
Autonomous trucking fleets (L3+ ADS)
Class 7219 schedule credit + Benavides-aware reinsurance
Line-by-line launch sequence
Li-Ion focus. AXA XL or Accelerant front with Munich Re / HSB reinsurance.
Same operators, larger TIV. FM engineering credit. Cyber-BI extension.
After 18–24 mo operating data. Operating-model question matures.
After Koop coordination. ISO Sept 2024 AV/EV classes mature.
After the reinsurance tower is built. Benavides-aware pricing.
Opt-in monitoring, applied to autonomous risk.
Operators opt in to data sharing. They earn additional credit on premium and unlock enhanced coverage sublimits. This is the structural piece that distinguishes PolySea from incumbent specialty carriers.
What operators share
- Battery telemetry feedState of Charge, charging cycle logs, thermal sensor data, cell-level diagnostics.
- Fleet telemetryReal-time composition, utilization rates, downtime events, OEM API integrations.
- Quarterly battery health reportsCapacity degradation, replacement schedules, end-of-life planning.
- Incident notification within 24 hoursSafety incidents and near-misses reported to PolySea engineering.
- Annual 30-minute safety auditVirtual review of safety-program updates and operational changes.
What operators unlock
Cyber insurers proved this opt-in architecture at scale. PolySea applies the same model to physical AI: credit and enhanced sublimits in exchange for the telemetry that defines actual exposure.
We've already built the platform.
PolySea is live at polysea.ai. Insureds, brokers, and the MGA work in one shared workspace, with dynamic exposure adjustment built in.
Operators
Insureds: robotics & autonomous fleets
Operators can change fleet composition on Monday and have their premium adjusted by Friday. No standard-market carrier offers this.
Field notes on insuring autonomous systems
AI Agents in Insurance Workflows: What Regulators Should Know
AI agents are already in insurance workflows. Where they operate, where accountability gaps live, and what oversight should look like.
Producer Licensing in the Age of AI Agents
State-based producer licensing was built when humans did the work. AI agents now do meaningful parts. The licensing framework hasn't caught up.
Why Autonomous AI Agents Won't Work in Insurance (And What Will)
Fully autonomous agents won't work in insurance. The path forward is constrained agents on shared infrastructure — and the constraints are the feature.
Positioned before the market resets.
When the first nine-figure verdict against a robotics maker lands, capacity reprices: attachment points jump, rates spike, terms tighten. PolySea is built to be in market before that happens: framework defined, telemetry flowing, relationships established.
A capacity conversation and intros to forward-thinking underwriters.
Introductions to the underwriters in your carrier panel.
A data-sharing pilot at policy binding to earn credit and enhanced limits.