Built for a market that's being born right now

InsureTheBot was founded for one of the fastest-growing markets of the decade. Humanoid and service robots are moving from labs into homes, shops and factories at a 42% annual growth rate, on their way to a $38B global robotics market — yet when a €20,000 robot falls down the stairs, most of Europe still has no product to cover it. Local markets are individually too small to justify development; together, they're an entire missing industry.

Our ambition is simple to state and hard to build: to become the defining professional player in robot insurance — the place where the products, the distribution, the claims handling and the loss data of this new asset class all come together, EU-wide, from day one.

We connect the whole chain

Robot insurance only works if three worlds meet: insurers who carry the risk, sales channels — brokers, comparison platforms, robot retailers — who reach the customer, and end customers who just want their robot protected without paperwork. InsureTheBot is the platform in the middle that connects all three.

Insurers get EU-27 distribution and automated operations without local build-outs. Brokers and retailers get direct insurer contracts, ready-made products and an admin platform — they do the business and keep the commission. And customers get the most user-friendly experience in insurance: photograph your robot, compare 12+ quotes, be covered in 3 minutes — and if something breaks, Ins3, our AI claims agent, settles straightforward claims in as little as 48 hours.

Not an insurer. Not a broker. A partner to everyone.

We deliberately don't compete with anyone in the chain. We are not an insurer — we never carry risk, never hold premiums and never disburse claims; the insurers on our panel do. We are not a broker — we don't take over client relationships or commissions; the intermediaries on our platform contract directly with insurers and keep what they earn.

What we are is the service partner for everyone: the technology, the automated E2E processes, the cross-border product architecture, the AI claims engine and the first pan-European robotics loss dataset. Using AI-driven process optimisation, we run the most efficient insurance operation in Europe — one continuously self-improving platform instead of 27 local back offices — and deliver it at the lowest cost, EU-wide, for everyone: lower distribution cost for insurers, lower administration for channels, lower premiums for customers. Everyone in the chain does what they do best; we build and run everything in between, for an admin fee and a subscription. That neutrality is exactly why insurers, brokers and retailers can all work with us at the same time.

Sell products your market doesn't even have yet — with zero development cost

Robot insurance barely exists in most EU countries: local markets are too small for any single insurer to justify product development for an emerging asset class. Our cross-border EU group products, passported under Freedom of Services (FOS), change that — you can offer robot cover in your market on day one, ahead of every local competitor, even if no domestic insurer has a product.

And it costs you nothing to launch. No IT project, no product build, no underwriting negotiations, no compliance marathon. You are connected directly to the insurers — there is no sub-agency and no middleman in your commission chain. Through one simple admin interface you run the business end-to-end: you hold the client and the insurer relationship, you write the policies, and you keep the commission. InsureTheBot charges only a platform admin fee.

A customer experience your clients will talk about — automated end-to-end

Your client photographs their robot; our AI recognises the manufacturer, model and spec from a database of 80+ humanoid and quadruped robots, pre-fills the risk data and returns 12+ comparable quotes in seconds. Policy documents are issued within 3 minutes of first contact. No paper forms, no call-backs, no waiting for underwriters.

The automation doesn't stop at the sale. Claims are handled by Ins3, our AI claims agent: 24/7 intake, remote damage assessment from photos and telemetry, automated documentation and a payment recommendation to the insurer — straightforward claims settle in as little as 48 hours. Your back office does nothing, and your clients experience the fastest claims process they've ever seen, under your relationship.

White-label: your brand on the front, our engine underneath

For brokers who want their own storefront, we license the entire platform white-label: your logo, your domain, your colours — our quoting engine, insurer panel, policy administration and AI claims underneath. To your clients it's simply your new robot insurance product; to you it's a new business line without a single line of code written.

White-label partners also get co-marketing support, API access for embedding quotes into their own client portals, and priority access to new product lines (fleet, cyber, liability extensions) as we roll them out across the EU.

Full coverage of a niche market — across the entire EU, from day one

Robot insurance is the definition of a market that's too small locally and too big to ignore globally: 42% annual growth in humanoid robots, a $38B robotics market by 2028, and zero EU-wide insurance platforms serving it. Individually, no national market justifies the investment. Together, they are the next asset class.

Our platform gives you that whole market at once, using the footprint you already have — and the one you don't. Where your group has local subsidiaries, they sell the HQ group product from day one, with zero local development, earning commission from HQ. Where you have no presence at all, the same product reaches customers through our broker network and retail API integrations via FOS. One panel seat, full EU-27 footprint — no new entities, no country managers, no build-out.

Develop the product once — not twenty-seven times

The single biggest cost of entering an emerging line is repeating product development in every jurisdiction: local wordings, local filings, local pricing, local IT. For a category that doesn't exist yet, that math never closes — which is exactly why no one has moved.

Our cross-border group product architecture, passported under Freedom of Services (FOS), lets you build one robot insurance product and sell it EU-wide. We maintain the wordings, the local compliance surface and the country-specific document generation; you own the risk and the rate. The category is being defined right now — the insurer that shapes it first gets the data moat that everyone else will have to buy.

The group product opens two distribution routes at once. Where you have local subsidiaries, they don't develop anything: the subsidiary simply sells the HQ group product as intermediary, earns commission from HQ, and carries only the commercial role — the platform does the administration, documentation and compliance behind it. And where you have no subsidiary at all, HQ still sells: through our broker network, via FOS, you write business in countries where your group has never had a local presence.

Distribution paperwork is automated too: partner contracting comes with 100% automated legal support — broker, subsidiary and distribution agreements are generated, localised and executed digitally on the platform, so your legal team reviews templates once instead of negotiating every partner.

Fully automated E2E — delivered as a service

The entire policy lifecycle runs on our platform: quote, bind, issue, endorse, renew and claim. Ins3, our AI claims agent, handles intake 24/7, performs remote damage assessment from photos and telemetry, assembles the documentation and issues a payment recommendation — your team only approves and disburses. Straightforward claims settle in 48 hours with near-zero loss-adjustment expense.

Commercially it's pure SaaS: no capex, no build, no integration project measured in years. You pay a subscription plus a fixed fee per claim, and you're live in weeks. Add our analytics subscription and you get the first pan-European robotics loss dataset — pricing intelligence that will not exist anywhere else.

One API integration — insurance embedded exactly where the sale happens

Insurance sells best at the moment of purchase, when the customer is already committing to a €15,000–€150,000 machine. Our lightweight REST API and drop-in checkout widget put a pre-calculated quote directly into your purchase flow — online, in-store on a tablet, or in your B2B order system.

Because you already know the exact model being sold, there's no form to fill: the quote arrives pre-filled with the robot's spec from our 80+ model database, the customer taps once to add cover, and the policy is issued before the box leaves the warehouse. Typical integration effort is measured in days — sandbox key, docs and a test environment are ready today.

A new revenue line on hardware you already sell

Every policy written through your checkout earns you a commission share — recurring revenue that renews with the policy, on top of the hardware margin you're already making. No inventory, no risk carried, no service obligations: the insurance contract is between the customer and the insurer, and the entire operation runs on our platform.

Attach rates on high-value electronics insurance at point of sale routinely reach 20–40%. On a €20,000 humanoid with a €40–120/month premium, that is a meaningful, compounding income stream from customers you've already acquired.

Better post-purchase experience — your brand protected, not just the robot

When a €20,000 robot breaks and the owner has nowhere to turn, the frustration lands on the shop that sold it. With cover attached, any incident goes straight to Ins3, our AI claims agent: photo-based damage assessment, automated documentation and settlement in as little as 48 hours. Your support team never gets the angry call.

Insured customers are also better repeat customers: they upgrade sooner, buy accessories with confidence, and rate their purchase experience higher. You're not just adding a revenue line — you're removing the single biggest source of post-purchase regret in high-value robotics retail.