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Solutions for Autonomous Technologies

Today, mobile autonomy applications encompass semi-autonomous to fully self-driving cars, taxis, buses and trucks operating on public roads; shuttle vans moving people in closed environments such as airports and campus settings; automated forklifts ferrying goods around distribution centers and manufacturing operations; mini pods delivering groceries within defined territories; and the list goes on.

It’s also widely accepted that these different forms of mobile autonomy will revolutionize economies and societies across the globe and create exciting opportunities for well-established, global companies as well as new entrants looking to capitalize on the latest innovations and technologies.

While the potential positive impact of autonomy is immense, the varied applications also bring with it a new set of risks that the insurance industry has a duty to understand and, more importantly, to help mitigate.

Risk Consulting

Risk consultants providing comprehensive risk management solutions based on an understanding of client business priorities and goals.

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In close collaboration with the client, we leverage our global suite of insurance products to craft a modular coverage framework that best matches its specific business needs. A core element of the offering is a holistic risk assessment we conduct in close partnership with the client. The proposition applies a modular approach to risk transfer; clients can structure various insurance coverages depending on their needs and circumstances.


In January 2016, we announced an agreement to work together with Oxbotica, a recognized autonomous vehicle software company, to support the adoption of mobile robotic solutions and explore their impact on risk management and insurance. Since then, we’ve learned a lot and are leveraging the insights we gained collaborating on the DRIVEN project in the UK and working with clients who are pioneering the use of advanced technologies such as robotics and autonomous machines.

We also created an Autonomy Center of Excellence made up of multi-disciplinary experts across our organization. The result? An insurance solution that supports the design, development and implementation of autonomous technology for all sectors of industry. From trial phase to commercial implementation.

Product/Coverage – a structured solution across multiple classes

For even the most complex risks on a global level we work in collaboration with clients to understand their needs and then craft a tailored, multi-line coverage for the risks associated with designing, developing, testing and implementing autonomous systems.

  • Core Policy framework: Third Party Liability (Non-Vehicle), Damage to Property Insured and Vehicle Theft, Third Party Liability (Vehicle);
  • Modular coverage options: Liability for Damage in the Insured's Care, Custody or Control, Liability for Damage to Trial Suite, Cyber Attack Liability for Damage / Bodily Injury, AV Trial Interruption, Data Restoration Expenses;
  • Bolt-on coverage options: Statutory Motor Liability Cover, Cyber Extension, Crisis Management/Response Service, Loss of Turnover Extension.

If you’re already using autonomous technology or just starting to think about the benefits autonomy can bring, when it comes to risk, we'll most likely have the answers you're looking for.

Client Profiles

  • Manufacturers, owners and operators of autonomous vehicles
  • Component manufacturers
  • Software developers

Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group.

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