Solutions

Research Labs

Coverage for labs that modify their robots — the coverage everyone else voids.

Research labs are the hardest customers to cover honestly: they modify hardware, write experimental controllers, and run robots past design limits. Conventional warranties exclude all of it — which means most labs are effectively self-insured whether they know it or not.

Honest options for labs: modification-tolerant plans (rare, expensive, worth it for unmodified subsystems), component-level coverage on stock parts, or a deliberate self-insurance budget with spares on the shelf. The worst option is a conventional plan that voids on first modification.

Grant-funded labs have an extra constraint: downtime can stall funded milestones. Whatever the coverage model, expedited repair and a spare critical-component stock matter more than the premium.

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Common questions

Can a lab get coverage if they modify the robot?

Conventional plans void on modification. Labs need modification-tolerant terms, component-level coverage on stock parts, or an honest self-insurance budget.