Mobilitas expands with newly approved updates to its mFleet commercial auto program, introducing optional endorsements designed for autonomous vehicle risks.

The filing adds two forms: an Autonomous Vehicle Liability Coverage endorsement and an Autonomous Vehicle Equipment Coverage endorsement, both targeting fleets operating with autonomous driving systems.

The liability endorsement clarifies that use of an autonomous driving system qualifies as “use” of a covered auto, even without a human driver. It extends insured status to employees and contractors involved in remote supervision and fleet operations, while excluding manufacturers and technology providers. It also carves out technology and cyber related liabilities, separating auto liability from product and cyber risk.

The equipment endorsement covers physical damage to autonomous vehicle components, including sensors, onboard computing systems, and communication hardware. Coverage applies to listed vehicles and newly installed equipment for a limited period, while excluding software related losses, cyber incidents, and upgrade costs.

Overall, the update reinforces a structural separation of risk, with Mobilitas autonomous vehicle insurance Nevada distinguishing between operational liability and hardware coverage, while pushing technology and cyber exposures outside the policy.