QuikBot Technologies and Embedded Financial Group Holdings (EFGH) are integrating insurance directly into the infrastructure that governs autonomous machines. The move comes as companies confront growing questions around liability and safety in real-world AI deployments.
In a joint press release, the Singapore-based firms say insurance will be embedded within QuikBot’s “Ambient Permission Plane”, a system that manages how physical AI (such as robots and autonomous technologies) operate across buildings and city environments. The model allows each machine-led action to be insured at the point of execution.
The approach differs from conventional insurance frameworks that sit outside operational systems. Instead, it ties coverage directly to how machines are authorised and controlled in real time. Policy issuance, risk assessment and claims processes are built into the platform, allowing coverage to adjust to system behaviour as it unfolds.
As adoption accelerates, companies face mounting challenges around accountability and governance, particularly in environments where machines interact with shared infrastructure. Fragmented standards and limited interoperability have also slowed broader deployment.
“Physical AI is reaching a point where trust, not just intelligence, determines whether systems can scale. The Ambient Permission Plane defines how machines operate in the real world. By embedding insurance into this infrastructure, we are making risk a native property of the system. Every action is authorised, accountable, and insured by design. This is how Physical AI scales safely and at the city level,” says Alan Ng, founder and CEO of QuikBot Technologies.
EFGH, which focuses on embedding financial services into digital and physical systems, will develop modular insurance products covering public liability, cyber risk, product defects, business interruption and goods in transit. These are designed for use across commercial buildings, residential developments, retail spaces and logistics networks.
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“At EFGH, we believe the Finternet extends beyond payments and banking. It encompasses every financial service that can be embedded into the fabric of daily life and commerce,” says Dennis Ng, executive chairman of EFGH.
“Autonomous systems are becoming a defining feature of how buildings, logistics networks, and cities operate, introducing a new class of risk that must be addressed intelligently. Our partnership with QuikBot enables us to embed protection directly into the infrastructure that governs these systems. This is embedded finance converging with Physical AI, and it represents a powerful shift,” he adds.
QuikBot’s platform has been deployed at sites including South Beach and Mapletree Business City in Singapore, with a planned rollout at Punggol Digital District and expansion into markets such as Dubai.
