Scenario Library / Physical injury
Physical injury

AI-controlled industrial robot or equipment injures a worker

An AI-controlled industrial robot or machine moves unexpectedly because of a vision or planning error and injures a worker. The claim is directed at the equipment maker and the employer that deployed it.

Manufacturing & Industrial Not dated Hypothetical; built from a precedent

Insurance products that may respond

Products liabilityCGLWorkers' compensationEmployers' liability

Why it matters for insurance

Check AI exclusions on CGL and machinery forms. Market note: general liability Coverage A (bodily injury and property damage) can now be excluded by ISO endorsement CG 40 47 (Jan 2026).

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This is an educational research summary built from public information. Allegations in pending cases are unproven, and the insurance notes above are for discussion, not coverage advice. Whether any policy responds depends on its specific wording, exclusions, endorsements, the facts, and applicable law.

Reviewed by Andrei Craciunescu, CA Licensed Insurance Broker #4467994