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Robot risk – nobody had ever put real numbers on that. So we did.
Today we're publishing IN BOTS WE TRUST 2026 — the first report on Physical AI risk built from money that actually changed hands: five years of insurance quotes, policies, claims and underwriting decisions across 392 U.S. robotics companies.
What five years of underwriting robots says:
🏅 Robots are a top-1% insurance risk. Every policy year, the program's loss ratio beat the best of the 25 largest U.S. P&C insurers.
💵 The biggest losses came from systems, not individual robots. Cyber fraud against robotics companies accounts for 34% of loss dollars. Robots hurting the public: 12%.
⬇️ Trust got cheaper. The price of robot liability per dollar of revenue fell 69% in three years.
⬆️ Capacity grew 7x. $572M of liability capacity deployed for Physical AI in 2025.
🤖 Safety already pays, and almost nobody shows it. Companies that prove their controls pay 25–65% less.
Robots get deployed where they are trusted. For the first time, that trust has a price, a trend and a map.
Get a free copy today. Link in the comments!
Today we're publishing IN BOTS WE TRUST 2026 — the first report on Physical AI risk built from money that actually changed hands: five years of insurance quotes, policies, claims and underwriting decisions across 392 U.S. robotics companies.
What five years of underwriting robots says:
🏅 Robots are a top-1% insurance risk. Every policy year, the program's loss ratio beat the best of the 25 largest U.S. P&C insurers.
💵 The biggest losses came from systems, not individual robots. Cyber fraud against robotics companies accounts for 34% of loss dollars. Robots hurting the public: 12%.
⬇️ Trust got cheaper. The price of robot liability per dollar of revenue fell 69% in three years.
⬆️ Capacity grew 7x. $572M of liability capacity deployed for Physical AI in 2025.
🤖 Safety already pays, and almost nobody shows it. Companies that prove their controls pay 25–65% less.
Robots get deployed where they are trusted. For the first time, that trust has a price, a trend and a map.
Get a free copy today. Link in the comments!
