Tokio Marine expands robot insurance in Japan and the UK

Tokio Marine businesses are developing insurance for robots in homes and workplaces, with separate product launches in Japan and the UK.

In Japan, Tokio Marine & Nichido Fire Insurance announced plans to introduce AI robot insurance in November, covering wheeled, four-legged and humanoid robots. The policy covers repair or replacement costs following events such as collisions and natural disasters, third-party bodily injury and property damage liability, and replacement workers or rental robots during downtime. Pricing reflects each robot’s use and operating environment, according to reporting citing Nikkei Asia.

In the UK, Tokio Marine HCC International partnered with Adrian Flux to introduce household insurance covering domestic humanoid robots and the homes in which they operate. Underwritten by TMHCCI and available through Adrian Flux’s home insurance offering, the product anticipates robots entering UK households from 2027.

The companies describe the UK policy as potentially the first worldwide to combine protection for a domestic humanoid robot with household coverage. Adrian Flux said the product will evolve as the technology and associated risks develop.