业内人士认为，人形机器人保险的加速落地，不仅能助推机器人产业健康发展，也可使保险更好服务产 业升级，让金融与创新产业进一步深度融合。 多家险企已布局 春节前，人保财险广州市分公司为国家级专精特新"小巨人"企业、具身智能机器人装备及智能制造方案 提供商——广州里工实业有限公司，定制了专属保险方案。 据人保财险相关人士介绍，方案覆盖两大方面的保障： 一方面是具身智能机器人本体损失保险，范围不仅涵盖自然灾害、操作失误、电气故障等传统风险，还 新增恶意软件攻击、黑客入侵等网络安全的新型风险。这一保险产品不仅保障机器人本体，还把配套设 备及软件系统的直接损失与合理施救费用全面纳入。 另一方面是具身智能机器人第三者责任保险，对机器人使用过程中因故障、缺陷、通信异常、网络事故 等非除外责任导致的第三方人身伤亡、财产损失及相关法律费用提供赔偿。 记者梳理发现，自2025年下半年起，头部财险公司纷纷布局人形机器人保险赛道。 今年春节，人形机器人讨论热度颇高。随着具身智能技术快速发展，人形机器人正一步步从实验室走向 商业化应用，配套的风险兜底需求也同步爆发。中国证券报记者了解到，目前，多家保险公司已布局机 器人保险业务。 推动精 ...

Core Insights - The demand for risk management in humanoid robots is increasing as they transition from laboratories to diverse application scenarios [1] - Several leading property insurance companies have launched insurance products related to humanoid robots, including coverage for robot body loss, third-party liability, and employer liability [1] - The insurance industry needs to enhance risk research and innovate products to better match the unique protection needs of this emerging industry [1] Innovation in Insurance Products - A company in Wuhan has purchased insurance for two humanoid robots, marking the first body loss insurance for embodied intelligent robots in Hubei Province, with a premium of nearly 5,000 yuan per robot and a maximum claim amount of 500,000 yuan within one year of coverage [1] - In September, Taiping Property Insurance's Ningbo branch launched a dedicated insurance product called "Smart Insurance" for the commercial application of humanoid robots, featuring three core innovations: comprehensive scenario coverage, integrated protection, and flexible terms [1] Policy Support and Market Opportunities - Multiple local governments have issued policy documents supporting the development of humanoid robots, encouraging the growth of related insurance products [2] - For instance, Beijing's Economic and Technological Development Zone has proposed measures to promote financial innovations like robot insurance, offering subsidies of up to 1 million yuan per year for 50% of actual premiums [2] - The humanoid robot industry faces unique risk characteristics compared to traditional industries, which presents challenges for actuarial pricing due to a lack of historical data [2] Recommendations for the Insurance Industry - Industry experts suggest that the insurance sector should enhance research and exploration to develop innovative products that accurately match the risk characteristics of humanoid robots [2] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamically adjustable rates to adapt to technological changes [2] Addressing Market Concerns - Legal experts emphasize that the core of humanoid robot insurance is to alleviate market concerns regarding usage, damage, and affordability [3] - Suggestions include data co-construction, layered responsibility, customized scenarios, standardization, and technology empowerment to effectively enhance insurance coverage for complex risks [3]

Core Insights - China Pacific Insurance has launched the country's first insurance product specifically designed for the commercial application of humanoid robots, named "Smart Insurance" [1] Group 1 - The product is introduced by China Pacific Insurance's Ningbo branch [1] - This initiative marks a significant step in the insurance industry towards accommodating emerging technologies like humanoid robots [1]