Core Viewpoint - Insurance plays a crucial role as the "invisible wing" of the low-altitude economy, providing essential risk management and economic compensation to support the industry's growth [1][8]. Group 1: Role of Insurance in Low-Altitude Economy - The low-altitude economy is igniting consumer enthusiasm with activities like drone deliveries and aerial shows, but it also faces risks such as accidents and privacy breaches [1][3]. - Insurance is essential for managing these risks, offering a safety net and acting as a key driver for the industry's development [1][4]. - Since 2015, the company has partnered with DJI to provide comprehensive insurance solutions tailored to the unique needs of drone users, becoming the leading provider in the domestic low-altitude drone insurance market [4][6]. Group 2: Challenges and Innovations in Insurance - The rapid expansion of low-altitude applications introduces new risks, necessitating that insurance terms evolve alongside technological advancements [1][3]. - The company has developed innovative products, such as the "Zhong An · Anxin Fei Drone Liability Insurance," which offers coverage starting at 50 yuan per year, addressing the needs of various users [6][7]. - The rise of "black flying" incidents, where drones operate outside legal parameters, poses significant public safety risks, highlighting the need for effective management and precise liability determination [7][8]. Group 3: Data and Regulatory Needs - The low-altitude economy requires a robust insurance framework, but the lack of foundational data complicates risk assessment and pricing [9][10]. - Experts suggest that the insurance industry should collaborate with aviation, transportation, and meteorological sectors to establish a comprehensive regulatory framework for low-altitude insurance [10][11]. - The company is committed to investing over 20 million yuan and assembling a dedicated team to develop a complete insurance service platform for the low-altitude economy, aiming to enhance service quality and standardize solutions across the industry [12].

"保险是低空经济不可或缺的'隐形翅膀'。"谈及保险在低空经济中的角色，众安保险数字生活事业部副 总经理严鹏语气笃定。 点一份"从天而降"的外卖，欣赏无人机编队打造的梦幻天幕秀，体验肾上腺素飙升的高空跳伞……低空 经济正以"云端视角"持续点燃消费热情。然而，繁荣的引擎之下，失控坠落、隐私泄露、责任纠纷等风 险暗流也随之涌动。面对这个万亿级的新兴产业蓝海，保险业凭借其精准的风险管理和经济补偿功能， 悄然构筑起守护其稳健前行的风险防线。这不仅是一张兜底风险的"安全网"，更是产业腾飞的关键引 擎。据众安保险介绍，该公司自2015年以来便携手大疆，基于无人机的场景、客群需求等特点，为用户 提供综合保险解决方案，在国内低空无人机保险领域排名首位。 不过，真正的挑战在于产业外延带来的新风险，当低空经济应用场景越来越多，保险条款的迭代速度必 须跟得上技术更新换代的节奏。可以明确，保险不能再停留在"出险—查勘—赔付"的旧范式，只有"风 险定价"能够与"技术演进"同步，这双"隐形翅膀"才能始终托住产业飞向更高的天空。 天空之城的安全屏障 绚烂的烟花秀刚刚落幕，摄影爱好者张明（化名）却心头一紧。他操作的大疆无人机在拍摄夜景时突发 ...