Bot Auto secures comprehensive insurance coverage for its autonomous truck fleet through Marsh placement, establishing new insurability standards while operating commercial freight between Houston and San Antonio.

Highlights

A-rated carrier program: Bot Auto’s insurance package, placed by Marsh, includes auto liability, property, general liability, cargo, and inland marine coverage, plus separate cyber protection

Data-driven risk management: Real-time operational data and vehicle behavior logs provide measurable, traceable risk profiles that differ fundamentally from traditional trucking exposure

Active commercial operations: The company operates daily freight loads between Houston and San Antonio on public roads, with plans for additional lane expansions

Insurance Program Structure and Significance

The insurance program was underwritten by an A-rated carrier and placed through Marsh, a global insurance broking and risk management firm. Coverage spans multiple categories essential for commercial trucking operations:

• Auto liability protection

• Property coverage

• General liability insurance

• Cargo and inland marine protection

• Cyber security policy (separate placement)

The placement addresses a critical barrier facing autonomous vehicle companies seeking to scale commercial operations. Traditional trucking faces mounting financial exposure from nuclear verdicts—jury awards exceeding $10 million—which have increased both frequency and severity in recent years.Differentiated Risk Profile Through Autonomy

Bot Auto’s autonomous operations present fundamentally different risk characteristics compared to human-driven fleets. The company’s technology architecture generates continuous operational data, creating transparency that transforms how risk is assessed and managed.

Key risk management advantages include:

• Consistent vehicle behavior governed by software parameters

• Complete operational traceability through data logging

• Real-time monitoring capabilities across the fleet

• Rapid incident analysis using recorded vehicle data

These capabilities enable definitive answers to questions that traditionally required courtroom litigation and witness testimony in conventional trucking operations.

Operational Deployment and Expansion Plans

Bot Auto has completed fully driverless runs on public roads in Houston. With insurance coverage now in place across its fleet, the company operates daily commercial freight loads on the Houston-San Antonio corridor.

The company plans to expand operations to additional high-density freight lanes, though specific routes and timelines were not disclosed.

Industry Validation and Market Implications

Marsh’s involvement in structuring the insurance program provides significant industry validation. The global risk management firm applies stringent qualification criteria for autonomous vehicle insurance placements.

“Qualifying for Marsh’s AV insurance program requires a comprehensive risk mitigation approach that goes beyond standard industry practices,” said Owen Oakley, Managing Director at Marsh. “This placement of Bot Auto’s insurance program thus marks another milestone in the advancement of autonomous trucking in the US and underscores the important role the insurance industry plays in its development.”

The successful insurance placement may accelerate broader market acceptance of autonomous freight operations by demonstrating that traditional insurance mechanisms can effectively cover novel technology risks when supported by appropriate data infrastructure and operational protocols.