低空经济保险服务体系

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低空经济催生保险新需求 险企加速布局新蓝海
Zhong Guo Zheng Quan Bao· 2025-07-02 20:16
Core Insights - The first specialized operational liability insurance product for low-altitude economic operators, named "Anywing Plan," has been launched in Suzhou, providing risk coverage for operational management [1] - The low-altitude economy insurance market is rapidly developing, with over 30% of property insurance companies already engaged in related businesses [2] - The market size for low-altitude economy insurance is projected to reach between 8 billion to 10 billion yuan by 2035 [2] Group 1: Product Development - The Anywing Plan aims to fill the gap in professional risk coverage for low-altitude economic operators, offering a comprehensive risk management system that addresses unique risks such as signal interference and operational errors [1] - Various innovative insurance products have been launched, including a comprehensive low-altitude economic insurance service system by PICC and EHang, and third-party liability insurance by Zhongcai and Taibao [2] Group 2: Market Potential - The low-altitude economy insurance market is expected to see significant growth due to the increasing insurance demand across the entire industry chain, from manufacturing to operation [2][3] - The financial regulatory authorities are actively guiding insurance institutions to innovate in low-altitude economy insurance products and services [2] Group 3: Industry Challenges - The low-altitude economy insurance sector faces challenges such as a lack of historical data, which complicates risk assessment and pricing [3] - Industry experts emphasize the need for insurance companies to collaborate with low-altitude economic stakeholders to enhance data sharing and develop innovative products [3]
保险业为低空经济织密“安全网”
Jin Rong Shi Bao· 2025-06-04 07:24
当无人机如候鸟般穿梭于城市上空配送物资,电动垂直起降飞行器(eVTOL)在城市群间启航试点,中国 低空经济正以年均超30%的增速,在1000米以下空域开辟出万亿元级规模的新赛道。 在这场"天空革命"中,保险行业不再是被动的风险承接者,而是主动进化为产业生态的"架构师"。近 期,保险机构动作频频,从各种创新产品相继落地,到成立开发适用于多场景风险评估模型的低空经济 行业研究院;从单一产品创新,到多部门协同联动等方式,致力于带动低空经济保险从单一保障向全产 业链风险管理迈进,为低空经济发展织密"安全网"。 攻坚产业链"卡脖子"风险 当前,我国低空经济产业链已形成"上游研发制造—中游运营服务—下游应用场景"的完整结构,任何一 个环节的风险失控都可能带来系统性的影响。 来自国家机器人质量检测中心(重庆)(以下简称"检测中心")的信息显示,2025年以来,重庆低空检测业 务量同比增长近两倍,检测需求呈爆发式增长。但与此同时,设备损毁事件屡屡发生,成为检测中心长 期面临的"痛点",亟待有效的解决方案。 近日,全国首单"低空航空器机载检测设备损失补偿保险"的问世,为低空设备监测筑起"安全屏障",成 为低空经济产业链条的关键 ...