风口财评｜让机器人保险为产业创新筑牢“安全网”

Core Insights - The first third-party liability insurance for embodied intelligent robots has been launched in Suzhou, with a coverage amount of 1 million yuan to protect against potential accidents caused by robots [1] - Major insurance companies like Ping An, Taikang, and PICC have introduced specialized insurance products for embodied intelligence since September, addressing risks associated with the scaling of this emerging industry [1] - The inclusion of "embodied intelligence" in the government work report for 2025 highlights its significance as a core direction for future industrial development in China [1] Group 1 - The insurance products cover various dimensions including physical damage, third-party liability, and cybersecurity, providing a risk shield for the burgeoning trillion-yuan industry [1] - The risks associated with human-robot interaction have evolved from traditional mechanical failures to new areas such as data breaches and algorithmic ethics, creating challenges for industry scalability [1] - The insurance sector's involvement is seen as a necessary market mechanism to price innovation, moving beyond traditional equipment insurance to include new risks like system failures and cybersecurity incidents [2] Group 2 - Embodied intelligent insurance is centered on "risk personification," allowing for flexible adjustments in coverage based on specific scenarios, thus supporting the entire lifecycle of robots from production to usage [2] - The development of robot insurance faces challenges such as the lack of long-term data for accurate pricing and the rapid technological advancements that can render risk models obsolete [2] - The insurance industry is positioned as a stabilizer for emerging sectors, needing to create risk databases and innovate products to keep pace with technological changes in the embodied intelligence field [2]