Shang Hai Zheng Quan Bao·2026-01-07 17:51Core Insights - The insurance market for robots is rapidly evolving, with leading insurance companies actively expanding their robot insurance offerings to meet diverse needs [2][7] - The shift in the financial industry's support for the robot sector is moving from static risk coverage to a dynamic financial ecosystem that encompasses the entire lifecycle of the industry [2][7] - The development of embodied intelligent robot insurance in China is still in its early stages, facing challenges such as data barriers, risk assessment difficulties, and unclear liability definitions [3][8] Group 1: Market Demand and Innovations - The demand for robot leasing is expected to grow significantly, with projections indicating the market could reach 10 billion yuan by 2026 [2] - Major insurance companies are innovating in robot insurance, with products like Ping An's first "insurance + leasing" policy for embodied robots, which includes comprehensive coverage for third-party liability and product quality [4][6] - The "insurance + leasing" model addresses information asymmetry in single-device insurance and promotes a full-chain risk management approach from manufacturing to usage [6] Group 2: Challenges and Solutions - The development of robot insurance faces several challenges, including difficulties in risk assessment due to a lack of public risk data, poor product adaptability, and unclear liability among multiple stakeholders [8][9] - Experts suggest establishing a data-sharing platform involving regulatory bodies, tech companies, and insurance institutions to create industry standards for risk evaluation and pricing [9] - There is a need for policy guidance and industry innovation to overcome barriers in robot insurance development, including incentives for companies to insure and for insurers to innovate [8][9]