低空经济催生保险需求 险企跟进产业链保障

Core Insights - The article highlights the challenges faced by low-altitude cleaning drone companies, particularly in securing customized insurance services for overseas operations, which are crucial for addressing high logistics costs and local production issues [1][2][3] Group 1: Industry Overview - China's outbound investment trend is strong, especially in emerging industries, but the insurance services available are not as comprehensive as those for large state-owned enterprises [2] - The low-altitude economy, recognized as a strategic emerging industry, is rapidly developing and creating new demands for insurance services [2][4] - The current low-altitude economy insurance primarily covers manufacturing and operational scenarios, leaving many risks in the industry chain uninsured [2] Group 2: Insurance Needs and Challenges - Companies like Jiusi Intelligent, which has a significant overseas market share in the drone cleaning sector, face high logistics costs for equipment repairs or replacements when issues arise abroad [3] - The insurance sector needs to adapt to the unique risks associated with low-altitude operations, including comprehensive coverage from product development to operational use [3][4] - The lack of standardized regulations and the limited number of aircraft in China complicate the pricing and claims processes for insurance, especially in cross-border contexts [4] Group 3: Innovation in Insurance Models - The "insurance + industry" model is emerging as a necessary innovation to support the growth of the low-altitude economy, with some large insurance companies already implementing this approach [5] - China Pacific Insurance has provided a total of 4.4 trillion yuan in insurance coverage for the aviation sector over the past decade, adopting innovative organizational structures to better serve emerging industries [6] - The establishment of a dedicated low-altitude economy business unit by China Pacific Insurance in 2025 aims to enhance industry integration and support the evolving needs of the sector [6]