Insurance Business reported on 30 October that Tokio Marine HCC International (TMHCCI), part of the Houston-headquartered Tokio Marine HCC group, and broker Adrian Flux have launched cover for domestic humanoid robots, which the firms call the first of its kind in the UK. TMHCCI underwrites it, and customers buy it as part of Adrian Flux home insurance. Reinsurance News reported that the firms believe no other product anywhere covers such a robot together with the home it works in.
The cover joins property and liability elements: theft of or damage to the robot, sudden damage the robot does to the home or contents, personal liability if it injures someone or damages another person's property, and emergency recovery or safe shutdown after an unexpected malfunction. Neither report gives premiums, limits, exclusions or eligible models.
Insurance Business notes that responsibility for a robot's actions could sit with the owner, the manufacturer, the software provider or several of them, and that the published policy description does not mention hacking or data privacy. Adrian Flux general manager Gerry Bucke said the aim is to make clear who is responsible when something goes wrong, and that the wording will change with the technology, as with the broker's 2016 driverless car policy.
The firms expect humanoid robots to start appearing in UK homes from 2027. In the US, early home models have been offered for pre-order at about $20,000.
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Insurance Business UK ↗News publisher · 30 Oct 2026
This is an original brief based on the linked publication. Company statements and forecasts are attributed to their source.
