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Viewpoint: Handling autonomous risks - Business Insurance Skip to content Register for free Search Search Log In Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Viewpoint: Handling autonomous risks by Claire Wilkinson A fully self-driving Waymo autonomous vehicle navigates streets of downtown Atlanta. / Reuters Agents and Brokers , Auto liability , Technology Marsh & McLennan Apr 24, 2026 On a recent trip to Atlanta with my family, we were surprised to see the many Waymo vehicles providing driverless rides and Serve delivery robots named “Kaito” and “Margo” offering last-mile deliveries from local restaurants in Midtown. In a city renowned for its gridlock and limited public transportation coverage, it was refreshing to see numerous autonomous options in use. Launched last year through the Uber app, Waymo covers a 65-square-mile zone in the city, while Serve Robotics’ sidewalk-delivery bots are integrated into the Uber Eats app. When ordering food through the app, customers just select robotic delivery at checkout and bingo, dinner from Shake Shack and other participating restaurants is just 18 minutes away on average. Waymo apparently has about 100 autonomous vehicles operating on Atlanta’s streets, and 3,000 in service nationwide, with the fleet slated to expand to more cities as demand increases. Several other companies are testing robotaxis in metro areas, though some cities are not on board with these vehicles taking over their streets, citing concerns over safety and job displacement. Despite our best efforts, we were unable to secure a Waymo ride and were grateful that many human Uber drivers were available. Still, it was intriguing to drive alongside the robotaxis to see how they navigated Atlanta traffic, which is hard enough for the best of drivers. The novelty of seeing a vehicle with an empty driver’s seat was striking for my two teen boys, especially for the one on the cusp of getting his license. We also encountered e-scooters and e-bikes in places like Piedmont Park. These were an immediate hit, though the boys were disappointed to discover after renting that speed was strictly limited to ensure the safety of the pedestrians. On a crowded, sunny afternoon on the Beltline, a multi-use trail system, we were probably walking faster than the silent scooters would take us. There are good reasons for the speed controls. Accidents involving e-bikes and e-scooters have been widely reported, prompting many municipalities to introduce licensing and usage requirements, and battery failures have been contributing to property exposures, particularly in building fires. Many residential and commercial landlords have banned indoor storage and charging of e-bikes and e-scooters. Insurers have long grappled with micromobility risks, but autonomous transportation is introducing more complex liability questions that blur the lines between auto liability, product liability and general liability. If an employee is involved in a crash while using an autonomous vehicle in the course of employment, potential employer liability could also come into focus. Insurance executives say the approach to coverage is not yet clear, but the industry is working to develop innovative frameworks to support these evolving technologies. Insurers already underwrite risks related to delivery drones and warehouse robotics, to name a few. Marsh Risk recently partnered with Apollo, a unit of Skyward Group, to launch an insurance program for Uber Technologies. The autonomous vehicle insurance program, underwritten by Apollo’s ibott division, provides primary and excess liability coverage to developers, fleet operators, vehicle manufacturers and original equipment manufacturers under a single master policy. Captive insurers could also be part of the solution, as we report here . As autonomous transportation technologies accelerate and demand grows, insurers will need to move quickly to clarify their appetite for these exposures or risk being left in the rearview mirror. 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