在日前落幕的2025年中国国际服务贸易交易会上，平安产险联合中再产险和西北工业大学发布了《低空 经济新兴风险治理与保险创新白皮书》，为当前低空经济相关产业的综合风险提出了系统性解决方案。 随着低空经济从"蓝图"跃入"实景"，无人机配送、空中游览、eVTOL(电动垂直起降飞行器)等新业态迅 猛发展。这片蓝海在展现巨大潜力的同时，也带来了前所未有的风险管理和安全保障挑战。记者在采访 中了解到，保险业正积极前瞻布局，通过产品创新、服务升级和模式探索，致力于为低空经济编织全方 位、多层次的安全保障网。 快速发展释放需求 近年来，低空经济发展保持强劲增长态势。从产业链上看，低空经济主要涵盖低空装备制造、低空飞行 保障、低空场景运营服务与低空综合服务4个主要领域。来自中国民航局的数据显示，截至2024年11月 底，我国无人机运营企业近1.9万家，国内注册无人机215.8万架。2024年前11个月无人机飞行2544.9万 小时，同比增长15.3%。据中国民航局测算，我国低空经济市场规模预计2025年突破1.5万亿元、2035年 跃升至3.5万亿元。 2024年《政府工作报告》提出，积极打造生物制造、商业航天、低空经济等新增 ...

在日前落幕的2025年中国国际服务贸易交易会上，平安产险联合中再产险和西北工业大学发布了《低空 经济新兴风险治理与保险创新白皮书》，为当前低空经济相关产业的综合风险提出了系统性解决方案。 随着低空经济从"蓝图"跃入"实景"，无人机配送、空中游览、eVTOL（电动垂直起降飞行器）等新业态 迅猛发展。这片蓝海在展现巨大潜力的同时，也带来了前所未有的风险管理和安全保障挑战。记者在采 访中了解到，保险业正积极前瞻布局，通过产品创新、服务升级和模式探索，致力于为低空经济编织全 方位、多层次的安全保障网。 快速发展释放需求 近年来，低空经济发展保持强劲增长态势。从产业链上看，低空经济主要涵盖低空装备制造、低空飞行 保障、低空场景运营服务与低空综合服务4个主要领域。来自中国民航局的数据显示，截至2024年11月 底，我国无人机运营企业近1.9万家，国内注册无人机215.8万架。2024年前11个月无人机飞行2544.9万 小时，同比增长15.3%。据中国民航局测算，我国低空经济市场规模预计2025年突破1.5万亿元、2035年 跃升至3.5万亿元。 2024年《政府工作报告》提出，积极打造生物制造、商业航天、低空经济等新增 ...

Core Viewpoint - The low-altitude economy in China is rapidly developing, with an annual growth rate exceeding 30%, creating a trillion-yuan market in the airspace below 1,000 meters. The insurance industry is evolving from a passive risk bearer to an active architect of the industry ecosystem, focusing on comprehensive risk management for the low-altitude economy [1]. Group 1: Industry Development - The low-altitude economy has established a complete industrial chain structure, including upstream research and manufacturing, midstream operation services, and downstream application scenarios. Any risk in these segments could lead to systemic impacts [2]. - The demand for low-altitude detection services has surged, with business volume in Chongqing increasing nearly twofold since 2025. However, equipment damage incidents remain a significant challenge [2]. - The introduction of the first "low-altitude aircraft onboard detection equipment loss compensation insurance" serves as a critical breakthrough in establishing a safety net for low-altitude equipment monitoring [2]. Group 2: Insurance Product Innovation - The "new comprehensive low-altitude economy insurance service system" has been developed, expanding coverage to include cargo transport, loss during downtime, and extended warranty responsibilities, thus creating a multi-scenario, full lifecycle risk protection system around eVTOL [3]. - The new insurance products aim to enhance the lifecycle and value retention of eVTOLs, providing significant support for the stability of low-altitude economy enterprises [3]. Group 3: Collaborative Ecosystem - The sustainable development of low-altitude economy insurance relies on deep collaboration in technology empowerment, data sharing, and institutional innovation. Recent developments indicate a shift from "single-point innovation" to "ecological co-construction" [4]. - The establishment of the "Bay Area Low Altitude Economy Research Institute" aims to create a unified low-altitude flight data platform and develop risk assessment models suitable for various scenarios [5]. - The collaboration between Zhongcai Property Insurance and Ping An Property Insurance to form a "New Emerging Risk Research Institute" will integrate resources to create innovative insurance products and service models for the low-altitude economy [5]. Group 4: Market Trends and Challenges - The current trends in low-altitude economy insurance include extending coverage upstream to encompass research, detection, and manufacturing, accelerating technology empowerment through big data and AI, and deepening ecological collaboration [7]. - National policies have been introduced to support the development of the low-altitude economy, with projections indicating that the market size could reach 1.5 trillion yuan by 2025 and 3.5 trillion yuan by 2035 [8]. - Challenges such as slow infrastructure development, weak core technologies, and an underdeveloped market system need to be addressed to enhance the insurance coverage and commercial applicability of low-altitude economy products [9][10].