Tokio Marine establishes AI governance policy

Tokio Marine Holdings  has introduced a formal AI governance framework to guide how its global group companies—including overseas affiliates—develop and use artificial intelligence. The policy, announced on June 16, 2025, reflects growing regulatory scrutiny and public concern about the risks of AI, including bias, misinformation, and privacy violations.

The “Tokio Marine Group Basic Policy on AI Governance” sets out five guiding principles focused on transparency, human oversight, data fairness, privacy protection, and operational resilience. It applies to all subsidiaries under the Tokio Marine Group umbrella and aligns with evolving government expectations in Japan, the U.S., and Europe.

The move follows guidance from Japan’s Ministry of Economy, Trade and Industry and the Financial Services Agency, which recently urged financial institutions to proactively manage AI-related risks.

The policy emphasizes that AI decisions must remain subject to human judgment, and that the company will work to eliminate bias and prevent harm to human rights. It also underscores the importance of explaining the purpose of AI tools to stakeholders and ensuring ongoing evaluation of their impact.

The company began rolling out the policy in April 2025 and plans to train employees on responsible AI use as part of its broader digital transformation efforts. According to the announcement, Tokio Marine sees AI as central to detecting emerging risks, improving claims operations, and creating new customer solutions.