机器人闯祸了怎么办？保险公司研发了这种保险

Core Viewpoint - The rapid development of artificial intelligence and embodied intelligence technology is leading humanoid robots from laboratories to homes and public service sectors, but concerns about risks such as "dare not use, fear of damage, and cannot afford" are bottlenecks for large-scale industrial application [3][5]. Group 1: Market Growth and Applications - The domestic market for embodied intelligence is expected to grow continuously, potentially reaching 1.25 trillion yuan by 2027, with humanoid robots filling labor gaps in various fields such as industrial welding, special applications like mining, and service scenarios like elderly care [6]. - Humanoid robots are increasingly entering crowded public performance scenarios, raising safety concerns among users [7]. Group 2: Risks and Challenges - The risks associated with humanoid robots include self-damage and causing harm to the surrounding environment, as they interact with humans [7]. - The industry faces broader risks, including technical standard risks due to the lack of complete and unified international or industry standards, leading to compatibility and safety issues [7][8]. - Data compliance and cross-border legal challenges arise from the collection and processing of user behavior and environmental data by embodied intelligence devices [8]. Group 3: Insurance Innovations - Major domestic insurance companies have begun launching specialized insurance products for embodied intelligence since September, aiming to address the commercialization challenges [9]. - China Pacific Insurance launched "Jizhi Bao," which offers comprehensive risk coverage across the entire supply chain, integrating various types of insurance [9]. - China People's Insurance introduced a comprehensive insurance product covering both the robot's physical damage and third-party liability, addressing various scenarios such as natural disasters and operational failures [9]. - Ping An Insurance has developed a comprehensive financial solution for embodied intelligence enterprises, providing extensive risk coverage and support across multiple sectors [10].