机器人租赁市场蓄势待发：今年规模或达百亿 配套保险同步探路

Core Insights - The collaboration between Ping An Property & Casualty, Shanghai Electric Financial Leasing, and Shanghai Electric Insurance Brokerage marks the launch of the first insurance policy combining "insurance + leasing" for embodied intelligent robots in China [1] Group 1: Market Expansion - The robot leasing market is expected to reach a scale of 10 billion yuan in 2026, driven by mass production and platform-based operations [2] - The high unit price of leasing robots, with costs potentially reaching tens of thousands of yuan for multiple units, supports the feasibility of achieving this market size [2] Group 2: Insurance Demand - The rapid expansion of the robot leasing market has created a corresponding demand for insurance products, as incidents during performances have highlighted the need for coverage [3] - Insurance is seen as a crucial safety net for both users and operators of robots, addressing risks associated with operational mishaps [3] Group 3: Innovative Insurance Products - The newly launched insurance policy includes comprehensive coverage, such as third-party liability, product quality liability, and information leakage liability, moving beyond traditional hardware coverage [4] - The collaboration aims to create a closed-loop model of "insurance + financing leasing" in real commercial scenarios, addressing long-standing issues in the industry [4] Group 4: Collaborative Framework - The partnership establishes a "risk-sharing, data-sharing, and service co-construction" framework, enhancing the integration of financial services with industrial operations [5] - A mechanism for "data available but not visible" has been developed to protect commercial secrets while allowing for effective risk assessment [5] Group 5: Future Plans - Ping An Property & Casualty plans to expand its insurance offerings to cover various types of robots and their entire lifecycle, including development, production, testing, and operational maintenance [6] - The company aims to collaborate with industry players and academic institutions to establish risk assessment standards and guidelines for insurance services in the robotics sector [6]