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Austin, TX 78731
Email Address
Info@hbc-logistics.com
EN
Regulation in flux — applicability is case-by-case
Your care robot is a cyber risk that no existing policy covers.
NIS2 has expanded cybersecurity obligations for the healthcare sector across the EU since 2023 — whether your facility falls in scope depends on care type, provider size, and hospital affiliation. What holds regardless: general liability and cyber policies don’t close the gap between compromised robotics firmware and physical or psychological harm to a resident.
Early access list for DACH
Parametric cover for telemetry-compromised care robots — currently in development. Free telemetry risk assessment for the first 30 facilities.
§ Applicability check
NIS2 doesn’t apply to long-term care as a blanket rule. Classification depends on care type and size — current interpretive guidance:
Facility type
NIS2
DORA
Nursing home, home care, assisted living
usually no
no
Intensive/critical care nursing facility
possible
no
Provider ≥250 staff / ≥€50M revenue
yes
no
Closely affiliated with a hospital / critical-infra operator
possibly, indirectly
no
DORA (Regulation (EU) 2022/2554) applies exclusively to the financial sector and its ICT providers — not relevant for care facilities. NIS2 applicability is assessed case by case; regardless, no standard general liability policy covers the intersection of firmware compromise and resident harm.
→ How it works
Reinsurance pool
Capacity & risk carrier
Telemetry monitoring
Basis for parametric payout
Underwriting engine
Risk scoring per robot type
US LLC + Mercury
Banking & operations
Facility
Policyholder
→
HBC Robotics
MGA / fronting
→
Reinsurance pool
Risk carrier
HBC retains a 15–25% fronting fee plus commissions. The pool carries the risk. Distribution will run exclusively through licensed insurance intermediaries (per applicable local licensing requirements).
! Why cyber risk in care robotics is underestimated
Manufacturer insolvency
When a robotics vendor shuts down, patches and signature updates stop abruptly. Older firmware keeps running in production with no way to demonstrate ongoing security assurance.
Telemetry connectivity
Most service robots talk to vendor clouds over MQTT, sometimes without end-to-end TLS. A compromised vendor API key can enable lateral movement into the facility network.
OTA update integrity
Over-the-air updates are convenient until the signing chain is compromised. A tampered firmware update can go unnoticed for months while quietly altering device behavior.
Failure during resident interaction
A social robot freezing mid-session is primarily a care-continuity problem — with a potential liability question if the root cause was a cyber incident and the policy excludes “electronic data.”
× The coverage gap
Illustrative scenario — not a real testimonial
After an incident, general liability insurers often point to the “electronic data exclusion”: once firmware is found to be compromised, the event gets reclassified as a cyber incident — and falls outside the scope of the standard policy.
Typical pattern in cyber-physical incidents, not a documented individual statement
- General liability typically excludes firmware failures and cyber-physical incidents
- Cyber policies usually cover data breaches, not physical or psychological resident harm
- Equipment/machinery cover usually requires physical damage — pure manipulation often doesn’t qualify
- The intersection of telemetry compromise + resident harm is currently structurally uninsured
✓ What the product is designed to cover
Telemetry compromise
Parametric payout on defined telemetry anomalies, without a full forensic investigation required upfront.
Firmware abandonment
Coverage triggers when a manufacturer ends support or becomes insolvent — including migration costs.
Cyber-physical harm
Resident harm or regulatory fines resulting from compromised robot behavior.
Applicability & reporting support
When robots are taken offline for forensics: cover for staffing gaps, manual fallback procedures, and documentation for regulators.
30 pilot slots for the DACH region.
We’re validating demand ahead of launch. Reserve your slot and get a free telemetry risk assessment at market launch.
This page promotes an insurance product currently in development. There is no way to bind coverage today and no insurance protection currently in place. Distribution at launch will run exclusively through licensed insurance intermediaries.