Tokio Marine stock gets UK humanoid robot insurance foothold

Tokio Marine HCC International has entered an emerging household-risk market with insurance for domestic humanoid robots in the United Kingdom. Insurance Today reported on November 2, 2026, that customers can obtain the cover through Adrian Flux's home-insurance offering, with Tokio Marine HCC International underwriting the policy.

Tokio Marine stock traded at 3.30 euros on Lang & Schwarz at 09:16 CET on Tuesday, November 10, 2026.

Cover Targets Emerging Household Risks

The policy covers damage to and theft of the robot. It also responds to sudden damage the machine causes to a home or belongings, while personal-liability protection applies if the humanoid injures someone or damages property.

Emergency recovery or safe disablement is included after a sudden or unforeseen malfunction. That combination extends beyond protection for an insured possession and addresses the potential property and liability exposure created by a machine operating inside a home.

Stuart Heath, head of distribution, international at Tokio Marine HCC International, said the company wanted to keep a robot costing thousands of pounds within the scope of insurance. He described the launch as part of the unit's record of developing innovative cover.

Adrian Flux general manager Gerry Bucke said the product was intended to clarify responsibility when something goes wrong. He added that the wording would be updated as the technology and its risks evolve, following the broker's approach to its 2016 driverless-car policy.

The firms expect humanoid robots to become available for UK homes from 2027. For Tokio Marine HCC International, the product offers an early specialty-insurance position in a category where responsibility may involve the owner, manufacturer or software provider. Insurance Today also reported that early US models were being ordered for around 15,000 pounds, underscoring the asset and liability exposure the policy is designed to address.

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Insurance Today reported the partnership and quoted executives from both companies.