Tokio Marine & Nichido Fire Insurance will offer dedicated insurance for autonomous AI robots from November 2026, covering robot damage, liability for injury or property damage, and business continuity costs.
Tokio Marine & Nichido Fire Insurance will offer dedicated insurance for autonomous AI robots from November 2026, extending an existing insurance capability into a category where machines combine equipment, liability and interruption risks in a single deployment. The policy was reported on Monday by Yahoo News and KSB News, and it is aimed at companies putting wheeled, four-legged and humanoid robots to work.
The cover combines three areas: damage to the robot itself, liability for injury or property damage caused by the machine, and business-continuity costs when operations stop. Replacement staff and rental robots can be included in the continuity cover. Losses caused by cyber incidents are excluded, keeping the product centred on physical damage, third-party claims and operational interruption rather than on software failure or hacking.
The timing reflects how fast autonomous machines are moving from demonstration to deployment. A robot that works alongside staff, moves goods or inspects facilities creates all three risks at once, and existing property or liability policies were not written for that combination. Tokio Marine, one of Japan's largest insurers with a market value of about 16.7 trillion yen, is positioning the product as a visible example of that shift, alongside its domestic non-life, domestic life and overseas insurance businesses.
The product details rest on the Yahoo News and KSB News reporting carried by Ad-hoc News; no Tokio Marine press release text was in the material checked, and no premium, pricing or sales target has been published. The November launch date and the covered machine types are the reported terms, not a company filing.
The product also arrives as insurers watch the same risk from the other side: data-centre tenants are now demanding late-delivery penalties of five million dollars a day or more, and brokers have begun offering delay-in-delivery cover for developers. Whether robot insurance becomes a standard commercial line will depend on claims experience in the first year of deployments, and on whether other major insurers follow Tokio Marine into the category.