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!
ALT What five years of underwriting Physical AI says about the promise and risk of robots. Hundreds of thousands of data points from 392 robotics companies — the first report on robot risk built from money that actually changed hands.