Question 1

What is PolySea?

Accepted Answer

PolySea is a specialty insurance MGA (managing general agent) built for autonomous systems: warehouse robotics, autonomous trucking, drones, and humanoids. Physical AI is deploying into the field, but the specialty insurance market for it hasn't formed yet, and the standard market is retreating from autonomous-adjacent classes. PolySea is built to write that gap. The legal entity is OpenINS, Inc., a Delaware C-Corp.

Question 2

What does it mean that PolySea is an MGA?

Accepted Answer

As a managing general agent, PolySea is delegated underwriting authority to design products, evaluate risk, set terms, and bind coverage on behalf of carriers, without holding the balance-sheet risk itself. That lets us move at the speed of the technology we insure: building engineering-controls catalogs, ingesting telemetry, and adjusting exposure dynamically, while carrier and reinsurance capacity sits behind the program. Our carrier track is currently under evaluation.

Question 3

What does PolySea insure?

Accepted Answer

PolySea insures autonomous systems and the operations that run them: warehouse robotics, autonomous trucking, drones, and humanoids. The thesis is straightforward: physical AI is being deployed now, the exposures are real and growing, and the standard market doesn't have purpose-built products for it. We do.

Question 4

Which lines do you write?

Accepted Answer

Six lines, designed to operate as one coordinated program: Workers' Compensation (WC), Equipment Breakdown (EB), Inland Marine (IM), Property + Business Interruption (Property+BI), General Liability (GL), and Auto. The v0.5 launch starts with Equipment Breakdown and Inland Marine, with a focus on lithium-ion battery exposure.

Question 5

What's the difference between the landlord and operator products?

Accepted Answer

PolySea offers two products for two buyers. The landlord product fills the property gap that owners of facilities housing autonomous systems face. The operator product covers the businesses actually running the robotics, fleets, and automation. Because the two are related exposures, buyers who hold both can earn a cross-discount.

Question 6

How does engineering-controls underwriting work?

Accepted Answer

Instead of pricing autonomous risk as a black box, PolySea translates recognized engineering and safety standards into underwriting questions tied to credit-earning thresholds. Four catalogs anchor it: FM Global DS 7-112 (lithium-ion), NFPA 2 (hydrogen), ANSI/RIA R15.06 (stationary robots), and OSHA 1910.178 (lead-acid). Operators that meet the defined control thresholds earn premium credits in the 15–30% range.

Question 7

Why does PolySea underwrite the operating model, not just the automation?

Accepted Answer

Because the data shows production pressure, not automation itself, drives injuries. Comparably automated operators can have very different loss experience: well-run operators such as GXO and Lineage run roughly 2–5x safer than Amazon at similar levels of automation. PolySea underwrites how the operation is run, so disciplined operators are rewarded rather than penalized for adopting technology.

Question 8

What is Active Monitoring, and what telemetry do operators share?

Accepted Answer

Active Monitoring applies the opt-in monitoring model proven in cyber insurance to physical AI: PolySea monitors telemetry from insured systems and notifies the operator when it detects an emerging issue, rather than simply paying a claim after the fact. At policy binding, operators share telemetry such as State of Charge, charging cycles, and fleet composition. Sharing that data feeds the underwriting model and unlocks engineering-controls credits, enhanced limits, and dynamic adjustment.

Question 9

How does dynamic exposure adjustment work?

Accepted Answer

Because exposure data flows continuously rather than being captured once a year, the program adjusts to the real fleet. Change your fleet on Monday and the premium can adjust by Friday. Coverage tracks the systems you actually operate instead of a snapshot from the last renewal.

Question 10

Is the platform live?

Accepted Answer

Yes. The platform is live at polysea.ai. It includes AI loss-run extraction (99.2% accuracy, roughly 10x faster than manual keying), SOV and asset management, submission packaging, transaction workflows, an engineering-controls workbench, telemetry intake, the Active Monitoring engine, and a Reserv claims integration.

Question 11

How accurate is the AI loss-run extraction?

Accepted Answer

Our AI loss-run extraction runs at 99.2% accuracy and processes submissions roughly 10x faster than manual re-keying. It reads carrier loss-run reports and digitizes claim, financial, and policy detail directly into the platform as part of submission packaging.

Question 12

How is my data secured?

Accepted Answer

Operator and submission data, including telemetry shared at binding, is protected with encryption in transit and at rest, authenticated access with role-based permissions, and audit logging. Telemetry is used to power underwriting credits, Active Monitoring, and dynamic exposure adjustment for your program.

Question 13

How do I get a quote or talk to underwriting?

Accepted Answer

Reach out through our contact page and select "Talk to Underwriting." Tell us about your operation (systems, fleet, facilities, and the lines you need) and our team will scope coverage, the applicable engineering-controls catalogs, and a data-sharing pilot at binding.

Question 14

I already have an account. Where do I sign in?

Accepted Answer

You can sign in to the live platform at app.polysea.ai/signin.

The specialty MGA for autonomous systems, explained.

About PolySea

What We Insure

How Underwriting Works

The Platform

Getting Started

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