What does the insurance cover beyond repairs?

It covers the labor costs of replacement personnel and rental fees for substitute robots while a damaged unit cannot operate. This business-continuity coverage is separate from damage and liability coverage.

Are cyber incidents covered?

No. Losses caused by cyber incidents are excluded from coverage, whether direct or indirect, according to reports on the announcement.

How are premiums determined?

Premiums and underwriting conditions are set individually according to the robot's use and operating environment.

RoboticsTop Companies' AI MovesAI Business & IndustryTop Companies AI12h agoNov 6, 2026, 06:30 JST

Tokyo Marine launches AI robot insurance covering downtime

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3 Key Points

What happened
Tokio Marine & Nichido Fire Insurance announced on Oct 26, 2026 that its AI Robot Insurance, offered from November, covers robot damage and third-party liability plus replacement labor and rental robots.
Why it matters
By pricing the cost of a stopped robot, the policy lets small firms treat downtime as a calculable investment item, though cyber-related losses are excluded and premiums are set individually.

WHO IT HITSSmall and mid-sized companies in construction, transport, and nursing care — sectors reporting the most severe labor shortages — gain a way to quantify the cost of a robot breaking down. Insurers and robot makers also get a framework for sharing accident risk.

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FAQ

What does the insurance cover beyond repairs?: It covers the labor costs of replacement personnel and rental fees for substitute robots while a damaged unit cannot operate. This business-continuity coverage is separate from damage and liability coverage.
Are cyber incidents covered?: No. Losses caused by cyber incidents are excluded from coverage, whether direct or indirect, according to reports on the announcement.
How are premiums determined?: Premiums and underwriting conditions are set individually according to the robot's use and operating environment.

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