Zhong Guo Zheng Quan Bao·2025-11-27 21:32Core Insights - The demand for risk management in humanoid robots is increasing as they transition from laboratories to diverse application scenarios, prompting several leading property insurance companies to launch related insurance products [1][2] - The insurance industry must enhance risk research and innovate products to better match the unique protection needs of this emerging industry, as the risk structure of humanoid robots differs from traditional industries [1][3] Group 1: Innovative Insurance Products - A company in Wuhan has purchased insurance for its two humanoid robots, marking the first instance of bodily loss insurance for intelligent robots in Hubei Province, with each robot's premium around 5,000 yuan and a maximum claim of 500,000 yuan for damages within a year [2] - In September, Taiping Property Insurance's Ningbo branch launched a dedicated insurance product called "Smart Insurance" designed for the commercial application of humanoid robots, featuring three core innovations: comprehensive coverage, integrated protection, and flexible terms [2] Group 2: Policy Support - The humanoid robot market has promising development prospects supported by government policies, which also present business opportunities for insurance institutions [3] - Various local governments have issued policy documents this year to support the development of humanoid robots, with some encouraging the development of related insurance products, such as a subsidy of up to 1 million yuan for companies insuring humanoid robots [3] Group 3: Need for Research and Exploration - The insurance industry is advised to strengthen research and exploration to develop innovative products that accurately match the risk characteristics of humanoid robots [4] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamic rate adjustments to adapt to technological changes [4]