无人机送生鲜到社区，医疗机跨区运急救药，植保机巡田防治病虫害……眼下，低空经济正以前所 未有的速度融入生产生活各领域，成为激活经济增长的新动能。但伴随着产业的加速发展，技术隐患、 运行风险、责任纠纷等新考验也逐渐凸显。 8月29日，全国首个低空经济共保体（以下简称"低共体"）成立大会暨项目签约活动在重庆举办。 19家低共体成员单位签署合作协议，人保财险代表低共体发布倡议书，低共体成员单位与16家单位完成 项目签约，为被保险人提供6115万元的风险保障。 在业内人士看来，低空经济的安全发展离不开保险护航，但当前保险供给与产业需求仍存在适配差 距。此次低共体的成立，既是保险业整合资源、提升承保能力的创新尝试，也为破解低空经济风险保障 难题提供了新路径。未来，保险业还需在产品定价、行业标准、人才储备等方面持续突破，让保险真正 跟上低空经济的发展节奏。 低空经济"飞稳"催生保险需求 低空经济是依托通用航空、无人机、低空飞行器等装备，在距地面1000米以下的低空空域开展生 产、服务、消费等活动的经济形态，小到无人机物流配送、植保作业，大到低空旅游、应急救援、城市 空中交通，都在其覆盖范畴内。其中，无人机产业规模约占低空 ...

人保财险在去年7月份发布全国首个低空飞行器专属保险，并于今年5月份在广东发布全新全方位低空经 济保险服务体系。人保财险总公司产品精算部有关人士介绍，在"低空保"的基础上，全新全方位低空经 济保险服务体系创新开发了针对货物运输场景、停飞期间停放损失以及零部件延长保修责任等一系列产 品保障，从过去的保机身、保运营增加了保货物、保停放、保维修，构建了多场景、全生命周期风险保 障体系，进一步满足低空经济产业链的多元化保障需求。 平安产险董事长兼CEO龙泉表示，低空经济已经成为我国新质生产力发展的重要组成部分，正加速从单 一产业发展迈向产业融合促进的新阶段。据了解，平安产险针对低空经济不同场景、不同环节提供定制 化保险产品和服务，覆盖从大型通航机队到无人机的全场景保障方案。截至目前，平安产险累计承保超 15万架无人机，提供风险保障超过900亿元。 无人机空投外卖，医疗物资紧急转运，乡村农户无人机飞防……低空经济正加速释放增长动能。根据中 国民航局预测，今年低空经济市场规模有望突破1.5万亿元。与之相伴而生的，是各类技术风险、运行 风险、责任纠纷等新挑战。如何让飞起来的低空经济飞得更稳？一张覆盖飞行器、飞手、场地、货物、 ...

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]