Japan's biggest insurer will now insure your robot — 20% extra, cyberattacks not included

Tokio Marine Holdings will start selling insurance for AI-powered robots in November, becoming Japan's first nonlife insurer to cover machines that perceive their surroundings and act on their own. Premiums run about 20 percent higher than comparable traditional industrial policies.

The cover spans damage to the robot, liability for injury or property damage, and business-continuity costs when operations stop — but excludes losses from cyber incidents. Nikkei, which first reported the launch, puts the global market for physical AI above $80 billion within a decade.