保研发、保人才、保产权 保险为科技创新提供全周期保障方案

Core Insights - The article emphasizes the importance of providing systematic risk protection for innovation entities throughout the entire process of research and development, transformation, and industrialization in the context of technological innovation [1][2]. Group 1: Company Overview - Guangdong Xinsanjiang Electric Equipment Co., Ltd. is a high-tech enterprise specializing in the research and manufacturing of high and low voltage complete electrical equipment [1]. - The company faces significant challenges in its journey towards intelligent and high-end electrical equipment, including unclear R&D paths and high technical barriers, which can lead to substantial financial losses if projects fail [1]. Group 2: Insurance Solutions - In September, Ping An Property & Casualty Insurance provided the "Ping An Yueke Bao" product to Xinsanjiang Electric, covering various risks such as R&D property protection, patent protection, key personnel protection, R&D risk protection, cybersecurity protection, and public liability insurance [1][2]. - This insurance solution aims to address multiple risks faced by small and medium-sized technology enterprises during R&D innovation, transformation of results, and market expansion, including R&D failures, equipment damage, intellectual property infringement, and loss of core talent [1][2]. Group 3: Industry Trends - The insurance industry is evolving to deepen its service offerings, extending coverage from R&D to subsequent stages like transformation and market application, and shifting from standardized products to customized solutions [2]. - There is a growing need for comprehensive risk management services that not only focus on tangible asset protection but also emphasize the safeguarding of intangible assets such as talent, intellectual property, and data security [2][3]. - As technological innovation activities become more active, the demand for diverse and complex risk protection will increase, making insurance a crucial element in promoting technology transfer and supporting the upgrade of traditional industries [3].