Equipment Breakdown
Launch line- Rating basis
- Lithium-ion endorsement with state-of-charge based pricing
- Example classes
- Lithium-ion battery banks, AMR fleets, AS/RS, Cyber-triggered breakdown
- What's different
- Recognizes HC-3 sprinkler design
Coverage
Six lines, one underwriter.
PolySea Operator covers warehouse robotics, autonomous trucking, drones, and humanoids across six coordinated lines. Equipment Breakdown and Inland Marine are the launch lines; the others are in development.
- Equipment BreakdownLaunch line
Lithium-ion endorsement with state-of-charge based pricing
Recognizes HC-3 sprinkler design
- Inland MarineLaunch line
Manuscripted Robotic Equipment Floater
Continuous reporting
- Property + Business InterruptionIn development
Recognizes FM engineering controls
Cyber-triggered business interruption extension
- Workers' CompensationIn development
NCCI classes 8292, 8293, 7219 and 3724
Underwrites the operating model: sustainable staffing versus production pressure
- General LiabilityIn development
ISO September 2024 AV/EV classifications
Robotics extension
- Commercial AutoIn development
ISO commercial auto rating: size class, business use, radius, garaging territory and coverage symbols
Written for L3+ automated driving systems
Line by line
Inland Marine
Launch line- Rating basis
- Manuscripted Robotic Equipment Floater
- Example classes
- Mobile robotic equipment, AMRs in operation
- What's different
- Continuous reporting
Property + Business Interruption
In development- Rating basis
- Recognizes FM engineering controls
- Example classes
- Warehouses, Automated distribution centers, Cold storage
- What's different
- Cyber-triggered business interruption extension
Workers' Compensation
In development- Rating basis
- NCCI classes 8292, 8293, 7219 and 3724
- Example classes
- Warehouse operations, Trucking, Machinery installation and repair
- What's different
- Underwrites the operating model: sustainable staffing versus production pressure
General Liability
In development- Rating basis
- ISO September 2024 AV/EV classifications
- Example classes
- Third-party bodily injury and property damage from autonomous operations
- What's different
- Robotics extension
Commercial Auto
In development- Rating basis
- ISO commercial auto rating: size class, business use, radius, garaging territory and coverage symbols
- Example classes
- Autonomous trucking fleets (L3+ ADS)
- What's different
- Written for L3+ automated driving systems
Launch sequence
- v0.5
Equipment Breakdown + Inland Marine
Launch lines
- Year 2
Property + Business Interruption
Same operators, larger insured values
- Year 3
Workers' Compensation
Once operating data supports the operating-model question
- v1
General Liability
Autonomous operations liability
- v1+
Commercial Auto
Autonomous trucking fleets
Planned sequence, subject to regulatory approvals and capacity.
Coverage descriptions are summaries only and are subject to underwriting and the terms, conditions, limits, and exclusions of the issued policy.