具身智能机器人把我弄伤了，谁来赔？

Core Insights - The emergence of embodied intelligent robots is accelerating their penetration into various application scenarios, highlighting the need for insurance coverage as these devices become more prevalent in public spaces [1][3] - Major insurance companies have begun to develop specialized insurance products for robots, covering property damage, third-party liability, and product quality risks, thereby establishing a risk management framework for their commercial use [1][2] Group 1: Insurance Product Development - Leading insurance companies have launched products that cover core risks such as robot body damage and third-party liability, with coverage limits reaching several hundred thousand yuan per unit [2] - The insurance for robot body damage operates on a "full coverage" logic similar to auto insurance, encompassing various scenarios including operational errors and cyber-attacks [2] - Third-party liability insurance includes coverage for design defects, external interaction module failures, and accidents during use, with flexible terms for different stakeholders [2][6] Group 2: Market Demand and Trends - The commercialization of embodied intelligent robots is driving a surge in insurance demand, with predictions that the robot leasing market could reach 10 billion yuan by 2026 [3][4] - The insurance landscape is evolving to address new risks associated with robots, extending coverage from basic operational errors to include disaster incidents and transportation damage [4][5] Group 3: Challenges in Insurance Services - The insurance sector faces challenges in data accumulation, with confidentiality of core technology data raising the bar for risk assessment [6] - The mismatch between the flexible needs of startup robot manufacturers and traditional insurance models creates barriers to product innovation and implementation [6] - The current conservative pricing of insurance products is attributed to a lack of real data, necessitating ongoing adjustments as more operational and risk data becomes available [7]