万亿元级储能狂奔，保险后盾“掉队”！投保率不足30%，储能保险“卡”在哪里？

Core Viewpoint - The energy storage industry is experiencing explosive growth, projected to reach a market size of nearly 1.27 trillion yuan by 2035, but it faces significant safety risks, including over 70 safety incidents reported globally in 2023, primarily involving fires and explosions [1][3][5]. Group 1: Industry Growth and Risks - The energy storage sector is expected to expand rapidly, with the value-added services market projected to grow from approximately $10.9 billion in 2025 to nearly $180 billion by 2035 [3]. - Safety incidents in the energy storage industry have raised alarms, with over 70 incidents reported in 2023, including more than 30 in South Korea and around 20 in the United States, primarily due to thermal runaway leading to fires and explosions [3][4]. - The risks in the energy storage industry span the entire supply chain, from research and design to manufacturing, installation, operation, and decommissioning, with interconnected risks amplifying potential hazards [3][4]. Group 2: Insurance Coverage and Challenges - The penetration rate of specialized energy storage insurance products is currently below 30%, indicating a significant gap in risk management within the industry [5][6]. - Most energy storage projects are only covered by basic property insurance rather than specialized products designed for the unique risks of energy storage systems, leading to inadequate coverage [6]. - Cost pressures and a lack of awareness about insurance are major factors contributing to low insurance uptake among smaller projects and downstream segments of the industry [6][7]. Group 3: Pricing and Risk Assessment - The pricing of energy storage insurance is complicated by limited historical data and the rapid pace of technological change, leading to a reliance on comparative methods for premium setting [7][8]. - Six core factors influence the final insurance premium, including technology level, physical spacing, fire safety measures, operational data, project scale, and external environmental conditions [8][9]. - Information asymmetry is a critical issue in the pricing of energy storage insurance, necessitating collaboration among policymakers, the insurance industry, and the energy storage sector to improve data sharing and risk assessment [10]. Group 4: Technological Integration and Risk Management - Insurance companies are increasingly adopting technology to enhance risk management, including early diagnosis and early warning systems for battery status changes [11][12]. - A comprehensive risk reduction service model is being developed, integrating insurance coverage with risk management services to proactively identify and mitigate risks [12][13]. - Future directions include promoting dynamic underwriting models based on digital twins and artificial intelligence to transform static insurance contracts into dynamic risk management services [14].