人形机器人也能投保了！多家险企布局

Core Insights - The demand for risk transfer and management is increasing as humanoid robots transition from laboratories to practical applications [1] - Leading insurance companies are launching insurance products related to humanoid robots, covering various types of insurance such as robot body loss insurance, third-party liability insurance, and employer liability insurance [1] Group 1: Innovative Insurance Products - A company in Hubei province purchased insurance for two humanoid robots, marking the first body loss insurance for embodied intelligent robots in the region, with a premium of nearly 5,000 yuan per robot and a maximum claim amount of 500,000 yuan [2] - The insurance industry is actively exploring and launching corresponding insurance products to provide coverage for the emerging humanoid robot industry [2] - Taiping Insurance's Ningbo branch introduced a dedicated insurance product "Smart Insurance" for the commercial application of humanoid robots, featuring comprehensive coverage, integrated protection, and flexible policy terms [2] Group 2: Comprehensive Financial Solutions - Ping An Property & Casualty launched a "Comprehensive Financial Solution" for embodied intelligent robots, which includes risk protection, credit support, public financing, and leasing operations [3] - The insurance coverage under this solution includes employer liability insurance, product liability insurance, cargo insurance (including batteries), product quality insurance, and third-party product insurance [3] Group 3: Industry Challenges and Recommendations - Industry experts emphasize the need for the insurance sector to enhance research and innovation to address the unique risk characteristics of the humanoid robot industry [4] - Challenges include a lack of historical data for actuarial pricing, rapid technological iterations, and unclear legal frameworks regarding the legal status and liability of robots [4] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamic pricing to adapt to technological changes [4]