机器人闯祸了怎么办？保险公司研发了这种保险

Core Insights - The rapid development of artificial intelligence and embodied intelligence technology is leading humanoid robots from laboratories to homes and public service sectors, but concerns about risks such as "not daring to use, fear of damage, and inability to afford" are bottlenecks for large-scale commercialization [2] - Major domestic property insurance companies, including Ping An, Taikang, and PICC, have launched specialized insurance products for embodied intelligence to address the last-mile challenges of commercialization [2][6] Industry Overview - Humanoid robots, integrating advanced technologies like AI, high-end manufacturing, and new materials, are becoming a new frontier in technological competition and future industries [3] - The domestic market for embodied intelligence is expected to grow significantly, potentially reaching 12.5 trillion yuan by 2027, with applications in various fields such as industrial welding, special operations, and elder care services [3] Risk Factors - Users are particularly concerned about safety guarantees when promoting and using humanoid robots, with international clients requiring insurance for market application [3][4] - Risks associated with humanoid robots include damage to the robots themselves and potential harm to surrounding people or property [3][4] - The lack of unified international or industry standards for AI and embodied intelligence poses compatibility and safety risks [4][5] Insurance Innovations - Since September, leading insurance companies have been actively launching insurance products related to embodied intelligence [6] - China Taikang's "Smart Insurance" product offers comprehensive risk coverage across the entire supply chain, integrating various types of protection [6] - PICC has introduced a comprehensive insurance product covering both the robot's physical damage and third-party liability, addressing various scenarios such as natural disasters and operational failures [6] - Ping An has developed a comprehensive financial solution for embodied intelligence enterprises, providing extensive risk coverage and support across multiple sectors [7]