--- title: "Insurance Buying Guide for Manufacturing and Robotics Businesses" description: "A buying guide for hardware businesses planning production, customer integration, and servicing." canonical: "https://thegeneralaverage.com/industries/manufacturing-and-robotics" page-type: "industry-guide" updated-at: "2026-09-28" industry: "manufacturing-and-robotics" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. 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[Human-readable page](https://thegeneralaverage.com/industries/manufacturing-and-robotics) ## Agent Guide **What this page is:** Buying guide to the business insurance a Manufacturing And Robotics business typically considers: coverage checklist, risks, provider comparison and common questions. **Use this page when:** Answer what insurance a Manufacturing And Robotics business needs, or route to coverage guides, providers and industry FAQs for that industry. **Questions this page answers:** - What insurance does a Manufacturing And Robotics business need? - Commercial Property Insurance for Manufacturing and Robotics - Equipment Breakdown Insurance for Manufacturing and Robotics - Product Liability Insurance for Manufacturing and Robotics - Inland Marine Insurance for Manufacturing and Robotics - Workers’ Compensation Insurance for Manufacturing and Robotics **Key facts:** - Sections: Which Insurance Should You Consider for Manufacturing and Robotics?; From Spot; State Whether You Make, Integrate, or Operate the Robotics Product; Include Manufacturing and Robotics Service and Recovery Tasks; Schedule the Robotics Cell and Its Movements; Which Providers Should You Compare for Manufacturing and Robotics?; Common Questions About Insurance for Manufacturing and Robotics; Verticals Related to Manufacturing and Robotics; Best Provider Rankings for Manufacturing and Robotics; Sources and Further Reading for Manufacturing and Robotics. - See "Sources and Further Reading" for citations. **Limits (do not over-claim):** - Lists coverage worth discussing; it does not confirm a business qualifies for or needs any policy. - Provider ordering averages Reliability Score and Review Score; scores describe the provider, not an individual policy or quote. - Legal requirements (e.g. workers' compensation, licensing) vary by state and are not decided here. **Provenance:** Cited guide; provider rows come from Spot's rating data. Last updated 2026-09-28. **Related pages:** - [Industries](https://thegeneralaverage.com/industries) — parent hub - [Reliability Score methodology](https://thegeneralaverage.com/reliability-score) — how provider scores are computed - [Editorial policy](https://thegeneralaverage.com/editorial-policy) — sourcing standards # Insurance Buying Guide for Manufacturing and Robotics Businesses [Industrials](https://thegeneralaverage.com/industries/industrials) Before leasing a shop, installing a robot cell, shipping equipment, or bringing a customer’s operators into a pilot, list the machines, movable tools, customer property, and work after delivery. Give the broker those activities and ask how property, breakdown, transit, worker, and product exposures appear in the quote. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Robotics](https://www.osha.gov/robotics), [The Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/laws-regs/regulations/standardnumber/1910/1910.147) ## Which Insurance Should You Consider for Manufacturing and Robotics? Consider commercial property, equipment breakdown, product liability, tools, equipment and inland marine, workers’ compensation, and product recall. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [Commercial Property Insurance for Manufacturing and Robotics](https://thegeneralaverage.com/coverage/commercial-property) **When it matters:** You lease a workshop or factory, install production machinery, or hold prototypes, parts, and customer property. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** A commercial property quote may distinguish building interests, installed machinery, movable business property, and property of others. Valuation, covered causes, declarations, and exclusions affect what a property form addresses. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Are building interests, machines, prototypes, stock, spare parts, and customer-owned property scheduled at accurate values and locations? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Equipment Breakdown Insurance for Manufacturing and Robotics](https://thegeneralaverage.com/coverage/equipment-breakdown) **When it matters:** A machine, robot, controller, or test cell failure could interrupt production or commissioning. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Machinery-breakdown terms may address specified malfunctions, which commercial property may exclude. Ask about named equipment, covered causes, and any resulting-loss terms. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which machines and failure modes are covered, and do terms include repair, temporary replacement, resulting damage, or extra expense? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Product Liability Insurance for Manufacturing and Robotics](https://thegeneralaverage.com/coverage/product-liability) **When it matters:** A shipped machine or completed integration could injure someone or damage another party’s property. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** CGL products and completed-operations terms can address bodily injury and property damage. That general guidance does not prove robot-specific or integration-errors coverage. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** How are our machines, software-controlled features, installation work, and completed integrations described, and what exclusions or aggregate limits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Inland Marine Insurance for Manufacturing and Robotics](https://thegeneralaverage.com/coverage/inland-marine) **When it matters:** Tools, test rigs, or customer machines move between your site, integrator, and pilot location. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Inland-marine forms may address transit property and equipment or installation floaters. The schedule and form control what is addressed during transit, installation, and off-site work. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which items, trips, carriers, loading, installation stages, and customer-owned equipment are included, and what limits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Workers’ Compensation Insurance for Manufacturing and Robotics](https://thegeneralaverage.com/coverage/workers-compensation) **When it matters:** Employees service machines, teach operators, clear jams, or commission robot cells. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Robotics](https://www.osha.gov/robotics), [The Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/laws-regs/regulations/standardnumber/1910/1910.147) **What to review:** California workers compensation and employers liability are separate considerations. Use the servicing, troubleshooting, and customer-site tasks to describe job roles, then ask how the proposed policy treats those duties. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Robotics](https://www.osha.gov/robotics), [The Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/laws-regs/regulations/standardnumber/1910/1910.147) **Ask:** Which worker duties and states are listed, and how does the application describe non-routine servicing, integration, and customer-site work? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Robotics](https://www.osha.gov/robotics), [The Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/laws-regs/regulations/standardnumber/1910/1910.147) ### [Product Recall Insurance for Manufacturing and Robotics](https://thegeneralaverage.com/coverage/product-recall) **When it matters:** A safety or defect concern could lead you to locate, retrieve, or repair installed units. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** CGL products and completed-operations terms can address bodily injury and property damage. Ask separately whether a recall-expense form is available and which costs it includes. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Is any recall expense form available for our machines and installed base, and which inspection, notification, retrieval, repair, or replacement costs are included? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## From Spot Spot, which publishes this research, gets quotes from 50+ providers and finds the best fit for your coverage, needs, and cost. Companies save up to 40%, and we keep managing your insurance as it changes. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## State Whether You Make, Integrate, or Operate the Robotics Product Describe whether you manufacture a robot or machine, integrate components at a customer site, operate the cell, or train customer staff. Identify the handoff point and who owns the machine and surrounding property. Ask the broker to check actual products, completed work, and site activities instead of treating all roles as one exposure. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) CGL products and completed-operations terms concern bodily injury or property damage, while machinery breakdown and property address different questions. Ask the broker to show form language and exclusions for each scenario; line names alone do not establish a response. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Include Manufacturing and Robotics Service and Recovery Tasks List maintenance, troubleshooting, programming changes, jam clearing, and work inside or near a robot cell. OSHA identifies non-routine tasks such as programming, setup, testing, and maintenance as robot hazard contexts. Include these duties in the operations description. [Robotics](https://www.osha.gov/robotics) For hazardous-energy servicing, describe maintenance and repair tasks and who performs them. Ask the broker how the proposed policy and worker classifications treat those operations. [The Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/laws-regs/regulations/standardnumber/1910/1910.147), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Schedule the Robotics Cell and Its Movements Separate fixed installed machinery from movable tools, prototypes, inventory, customer-owned components, and equipment travelling to a pilot. Ask how property values are determined, which causes are covered, and whether transit or installation terms follow equipment between sites. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Providers Should You Compare for Manufacturing and Robotics? These providers document the coverage listed below. Providers are ordered by the average of their Reliability Score and Review Score, weighted equally. This is not confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### Commercial Property Insurance Providers for Manufacturing and Robotics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial Property Insurance | CNA Insurance](https://www.cna.com/products/property) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html) #### [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency) **Reliability Score** Broker Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability) **Review Score** 8.2 / 10 (2 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reviews) [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html) [+37 more Commercial property providers](https://thegeneralaverage.com/coverage/commercial-property#documented-providers) ### Equipment Breakdown Insurance Providers for Manufacturing and Robotics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Equipment Breakdown Insurance | CNA Insurance](https://www.cna.com/products/equipment-breakdown) #### [Nationwide](https://thegeneralaverage.com/insurance-providers/nationwide) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/nationwide/reliability) **Review Score** 7.8 / 10 (4 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/nationwide/reviews) [Equipment Breakdown Coverage – Nationwide](https://www.nationwide.com/business/insurance/equipment-breakdown/) #### [Newfront](https://thegeneralaverage.com/insurance-providers/newfront) **Reliability Score** Broker Reliability Score: 5.0 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/newfront/reliability) **Review Score** 10.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/newfront/reviews) [Property](https://www.newfront.com/property-insurance) [+12 more Equipment breakdown providers](https://thegeneralaverage.com/coverage/equipment-breakdown#documented-providers) ### Product Liability Insurance Providers for Manufacturing and Robotics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Life Sciences Insurance | CNA](https://www.cna.com/industries/life-sciences) · [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences) #### [Newfront](https://thegeneralaverage.com/insurance-providers/newfront) **Reliability Score** Broker Reliability Score: 5.0 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/newfront/reliability) **Review Score** 10.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/newfront/reviews) [Casualty](https://www.newfront.com/casualty-insurance) · [Get Started Today](https://www.newfront.com/talk-to-an-expert) #### [Gallagher](https://thegeneralaverage.com/insurance-providers/gallagher) **Reliability Score** Broker Reliability Score: 5.5 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/gallagher/reliability) **Review Score** 9.3 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/gallagher/reviews) [Technology Insurance for the Tech Industry](https://www.ajg.com/industries/technology-insurance/) [+18 more Product liability providers](https://thegeneralaverage.com/coverage/product-liability#documented-providers) ### Inland Marine Insurance Providers for Manufacturing and Robotics #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Inland & Ocean Marine Insurance | CNA Insurance](https://www.cna.com/products/marine) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Cleaner Insurance Program by Foxquilt](https://www.foxquilt.com/businesscoverage/ConvertLabs.html) · [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html) #### [Nationwide](https://thegeneralaverage.com/insurance-providers/nationwide) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/nationwide/reliability) **Review Score** 7.8 / 10 (4 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/nationwide/reviews) [Insurance for Inland Marine – Nationwide](https://www.nationwide.com/business/insurance/inland-marine/) [+21 more Tools, equipment and inland marine providers](https://thegeneralaverage.com/coverage/inland-marine#documented-providers) ### Workers’ Compensation Insurance Providers #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance) · [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html) [+38 more Workers’ compensation providers](https://thegeneralaverage.com/coverage/workers-compensation#documented-providers) ### Product Recall Insurance Providers for Manufacturing and Robotics #### [Newfront](https://thegeneralaverage.com/insurance-providers/newfront) **Reliability Score** Broker Reliability Score: 5.0 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/newfront/reliability) **Review Score** 10.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/newfront/reviews) [Life Science](https://www.newfront.com/industries/life-science) · [Get Started Today](https://www.newfront.com/talk-to-an-expert) #### [Gallagher](https://thegeneralaverage.com/insurance-providers/gallagher) **Reliability Score** Broker Reliability Score: 5.5 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/gallagher/reliability) **Review Score** 9.3 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/gallagher/reviews) [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/) #### [Chubb](https://thegeneralaverage.com/insurance-providers/chubb) **Reliability Score** Carrier & MGA Reliability Score: 6.4 / 10 (40% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/chubb/reliability) **Review Score** 6.9 / 10 (5 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/chubb/reviews) [Product Recall Insurance Consumer Goods (Chubb Recall Plus for Consumer Goods)](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html) [+8 more Product recall providers](https://thegeneralaverage.com/coverage/product-recall#documented-providers) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Reliability Scores Work](https://thegeneralaverage.com/reliability-score). ## Common Questions About Insurance for Manufacturing and Robotics ### Does commercial property automatically cover a robot or machine breakdown? A machinery-breakdown form may address specified malfunctions; commercial property may exclude them. Check whether the quote names your robot, controller, or production line. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) [Read the full answer](https://thegeneralaverage.com/industries/manufacturing-and-robotics/does-property-cover-robot-breakdown) ### After a robot safety review, what should we tell the insurance broker? Describe who programs, tests, services, and operates the cell, including non-routine work and customer-site activities. OSHA identifies these as hazard contexts; it does not say which insurance applies. [Robotics](https://www.osha.gov/robotics) [Read the full answer](https://thegeneralaverage.com/industries/manufacturing-and-robotics/what-insurance-questions-follow-a-robot-safety-review) ## Verticals Related to Manufacturing and Robotics - [Agriculture](https://thegeneralaverage.com/industries/agriculture): A buying guide for businesses building farm technology, equipment, inputs, or crop services and deciding what their own operations expose. - [Automotive](https://thegeneralaverage.com/industries/automotive): A practical guide for vehicle, component, and mobility businesses choosing insurance questions before road testing, customer pilots, or shipment. - [Aviation and Space](https://thegeneralaverage.com/industries/aviation-and-space): A quote-planning guide for aerospace businesses moving from component development to flight tests, launch services, or contract work. - [Climate](https://thegeneralaverage.com/industries/climate): A buying guide for climate businesses with software, field services, equipment, installations, or customer deployments. - [Defense](https://thegeneralaverage.com/industries/defense): A quote-planning guide for businesses selling hardware, software, engineering, or field services into federal defense work. - [Drones](https://thegeneralaverage.com/industries/drones): A quote-planning guide for UAS businesses choosing questions before commercial missions, customer pilots, hiring, or shipping aircraft and payloads. - [Energy](https://thegeneralaverage.com/industries/energy): A practical insurance checklist for energy businesses working on development, installation, commissioning, and operation. ## Best Provider Rankings for Manufacturing and Robotics - [Best Commercial Property Insurance for Manufacturers](https://thegeneralaverage.com/best/commercial-property/manufacturers) - [Best Product Liability Insurance for Manufacturers](https://thegeneralaverage.com/best/product-liability/manufacturers) ## Sources and Further Reading for Manufacturing and Robotics - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Revised June 14, 2024: commercial property, inland marine, boiler and machinery, commercial general liability, products/completed operations, commercial auto, umbrella, and workers compensation. California commercial coverage explanations for property, inland marine, machinery breakdown, CGL, and workers compensation. - [Robotics](https://www.osha.gov/robotics) — Occupational Safety and Health Administration. Robot hazards, non-routine work conditions, and OSHA standards specific to the robotics industry. Robot-specific workplace hazard and non-routine task context to improve the operations description. - [The Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/laws-regs/regulations/standardnumber/1910/1910.147) — Occupational Safety and Health Administration. 29 CFR 1910.147: hazardous-energy servicing and maintenance scope, exclusions, and conditions. Hazardous-energy servicing scope and exclusions; operational context only. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://thegeneralaverage.com/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/industries/manufacturing-and-robotics.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)