人形机器人如何“放心用”？头部险企连推专属产品，尚需跨越三大核心障碍

Core Insights - The rapid advancement of artificial intelligence (AI) has made humanoid robots a focal point for commercial applications, with significant market potential projected to reach hundreds of billions in China by 2035 [1][8] - The insurance industry is responding to the emerging risks associated with humanoid robots by developing specialized insurance products to cover various aspects such as property damage, third-party liability, and cybersecurity [1][3][9] Industry Overview - Humanoid robots are seen as a culmination of AI and mechanical engineering, with applications in manufacturing, social services, and specialized operations [1] - The market for humanoid robots is expected to grow significantly, with projections indicating a market size of 1 trillion to 3 trillion yuan by 2040 [8] Insurance Innovations - Major insurance companies like China Pacific Insurance and People’s Insurance Company of China have launched tailored insurance products for humanoid robots, addressing risks such as property loss and third-party liability [3][4] - The "Smart Insurance" product by China Pacific Insurance offers flexible coverage options, allowing for daily, weekly, or monthly policies to suit various commercial scenarios [3] Risk Management Challenges - The complexity of humanoid robots introduces diverse risks, including personal safety, property damage, and liability issues, which are not fully covered by traditional insurance products [5][7] - The rapid technological evolution of robots complicates the insurance landscape, requiring frequent adjustments to policy terms and rates [7][9] Regulatory Support - Government initiatives are increasingly supporting the humanoid robot industry, with policies aimed at fostering innovation and reducing insurance costs for companies [10] - Local governments are providing subsidies for insurance premiums to encourage the adoption of humanoid robots [10] Future Outlook - The humanoid robot industry is expected to experience exponential growth, necessitating robust insurance mechanisms to mitigate emerging risks [11][13] - The development of new insurance products and standards is crucial to address the unique challenges posed by humanoid robots, including ethical considerations and liability definitions [12][13]