Insurance for the autonomous world.
One policy for your robot fleet: physical damage, third-party liability, cyber and algorithmic risk. Underwritten and bound by us, priced on the machine’s own data.
Machines that move without a person at the controls.
Autonomous mobile robots first. The policy and the pricing are built for any machine whose risk lives in software and sensors rather than in a driver.
We price the machine, not the business.
A liability carrier rates on payroll and revenue. An auto carrier rates on vehicles and drivers. A robot has none of these, so it gets excluded, or loaded until the premium reads like a second purchase price.
We rate it on what it is and what it does.
Start from the physics
What the machine is, before it has run a single hour.
Rate on telemetry and logs
What the machine does, from its own operating data.
Earn credibility as you run
The price follows the record, so a well-run fleet pays less.
Better price
A rate that reflects how your robots behave, not a payroll proxy.
Better coverage
Wording written for robots, not a liability form with an autonomy exclusion bolted on.
Better deductibles
Keep what is cheap for you to keep. Transfer the rest.
We bind the policy. We are not a broker.
Silicon Margin is the underwriter. We write the wording, set the rate and bind the policy on carrier paper, with reinsurers behind the programme. We keep a share of every risk we write, so our pricing has our own money in it.
One submission, one policy, one counterparty. Certificates and additional-insured endorsements for your sites and customers come from us.
- Physical damageCollision, vandalism, theft and water damage to the robot itself, and the downtime that follows.
- Third-party liabilityBodily injury and property damage to others, including non-contact injuries, products and completed operations, and fleet-wide software events.
- Cyber and algorithmicIntrusion causing physical loss, ransomware fleet stops, bystander-video data breach, and errors in the autonomy stack, including recall of a defective release.
Insurance people who understand how the machines work.
We have built underwriting models for US commercial P&C, worked inside the carriers and the markets, and spent the last year inside robot fleets. The company is incorporated in Delaware and advised by a former Swiss Re P&C R&D lead.
Kritarth Lohomi
Financial services at McKinsey, rated top of his cohort, including P&C work with one of the largest US carriers. Global Markets at Nomura. ML research at Northwestern and quant research at ISB. Led strategy and product at slice. IIT Kanpur.
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Masoob Alam
Ex-Founder & CTO of Cune, where he built underwriting models, rating factors and rating plans for US commercial P&C. Risk modelling at the University of Windsor, quantitative research at WorldQuant and True Beacon, AI lead at Pixlr. IIT Roorkee.
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