人形机器人也有保险了！多家险企竞逐，数据积累不足成关键掣肘

Core Insights - The humanoid robot industry is experiencing explosive growth driven by breakthroughs in AI technology and upgraded demand [3][4] - Insurance is becoming a crucial tool for risk management in the humanoid robot sector, with companies developing specialized insurance products to address diverse risks [3][5] Industry Growth and Market Potential - By 2025, the market size for embodied intelligence in China is expected to reach 5.295 billion yuan, accounting for approximately 27% of the global market; the humanoid robot market is projected to reach 8.239 billion yuan, representing about 50% of the global market [3] - The rapid development of the industry necessitates a robust risk management framework to support sustainable growth [3] Insurance Product Development - Taiping Insurance has launched a dedicated insurance product "Smart Insurance" for the commercial application of humanoid robots, covering the entire risk chain from production to usage [3] - PICC Property and Casualty is utilizing a dual-track model with "robot body loss insurance + third-party liability insurance" to enter the market, covering damages from natural disasters and operational failures [4] - The insurance products focus on multiple layers of protection, including physical damage to robots, third-party liability, and product safety [4] Challenges in Insurance Sector - The insurance industry faces challenges such as insufficient data accumulation, limitations in risk assessment models, and market perception biases [5][6] - The lack of historical failure data for humanoid robots complicates the development of accurate risk assessment models [6][7] Data and Policy Support - Insurers are encouraged to engage in product safety assessments and data collection during the experimental phase to address data shortages [7] - Policy support is crucial for industry development, with government initiatives promoting the creation of insurance products for emerging technologies like robots [7]