（来源：广州金融） 从广交会上企业拿着百万美元订单的笑颜，到养殖场里养殖户安心劳作的身影；从低空飞行器翱翔蓝天的科技之美，到"穗岁康"守护万千家庭的温暖场 景……在广州这座充满活力的超大城市，中国人民财产保险股份有限公司广州市分公司（以下简称"人保财险广州市分公司"）正以"人民保险 服务人 民"为初心，深耕科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，用专业保险服务为经济高质量发展注入动能，为民生福祉筑牢安 全屏障。 2025年，人保财险广州市分公司实现保费规模历史性突破百亿元。这一里程碑背后，是公司紧扣国家战略、对接区域需求的精准发力，是产品创新与服务 升级的持续深耕，更是扎根岭南大地、服务万千市场主体的责任担当。如今，无论是科技创新企业的"出海"征途，还是乡村振兴的田间地头；无论是重大 赛事的安全保障，还是普通百姓的日常所需，都能看到人保财险的身影，感受到保险的温度与力量。 人保财险广州市分公司连续14年亮相金交会，为顾客提供精准服务。 低空经济是广州培育新质生产力的重要赛道，人保财险广州市分公司再次抢占创新先机。2024年7月，全国首个"低空飞行器专属保险"在广州亮相，广州 亿航智能技 ...

Core Insights - The article discusses the collaboration between China People's Property Insurance Company (CPIC) Guangzhou Branch and EHang in the low-altitude economy sector, highlighting the integration of technology finance to support this emerging market. Group 1: Industry Trends and Opportunities - The low-altitude economy is gaining traction as a focal point for technology finance to empower the real economy, driven by national strategic policies like the "National Comprehensive Three-Dimensional Transportation Network Planning Outline" [2][3] - CPIC has conducted extensive market research and identified increasing demand for risk protection and financial support in areas such as drone logistics and low-altitude tourism [2][3] Group 2: Collaboration and Innovation - The partnership with EHang, a leader in the eVTOL (electric vertical takeoff and landing) sector, resulted in the first specialized insurance project for low-altitude aircraft, marking a significant step in integrating insurance with low-altitude innovation [6][7] - The first insurance policy was signed in July 2024, providing risk coverage for EHang's EH-216S unmanned passenger aircraft, which enhances investor confidence in low-altitude transportation projects [7][8] Group 3: Future Plans and Product Development - CPIC and EHang plan to expand their collaboration by developing a comprehensive insurance service system that covers all stages of the low-altitude economy, including research, production, and operation [9][10] - Future innovations will include the development of specialized insurance products for various low-altitude applications, such as drone logistics and low-altitude tourism, utilizing advanced technologies like AI and blockchain for risk assessment and claims processing [11][12] Group 4: Ecosystem Building and Policy Support - CPIC aims to build a robust low-altitude economy ecosystem by providing comprehensive risk protection and linking various stakeholders, including government, industry associations, and financial institutions [13][14] - The company is actively involved in policy advocacy to enhance the regulatory framework for low-altitude economy and technology finance, suggesting measures like insurance subsidies and risk-sharing mechanisms to stimulate industry growth [17][18]

Core Insights - The low-altitude economy insurance market in China is expected to reach a scale of 8-10 billion yuan in the coming years, driven by the increasing deployment of drones and eVTOLs in urban areas [7][1] - Insurance is not merely a business for insurers but serves as a critical entry barrier, safety foundation, and responsibility allocation mechanism for the low-altitude economy [1][4] - The combination of insurance and the low-altitude economy is not just a theoretical concept but is already being practically implemented with companies, products, regulations, and market expectations [8][6] Group 1: Market Dynamics - The past two years have seen the low-altitude economy being recognized as a national strategic emerging industry, with new regulations set to take effect in January 2024 [2][3] - The increasing number of flying vehicles and their proximity to urban areas raises the probability of accidents and associated responsibilities [2][3] - The insurance industry has begun to respond to the needs of the low-altitude economy, with major insurers launching products tailored for drones and light aircraft [5][6] Group 2: Insurance Challenges - Current insurance offerings are still in a "testing + patchwork + layered underwriting" phase and have not yet formed a comprehensive system capable of handling large-scale, complex operations [9][25] - Insurers express concerns about quantifying systemic risks associated with low-altitude operations, which complicates traditional insurance models [14][17] - The global insurance industry faces similar challenges in adapting to the complexities of the low-altitude economy, indicating a need for innovative risk assessment and pricing models [16][17] Group 3: Structural Discrepancies - Low-altitude enterprises view insurance as a compliance tool, market credibility, and a means to secure investment and government support [10][12][13] - Insurers, however, prefer to underwrite scenarios that are controllable and quantifiable, leading to a mismatch between the needs of low-altitude businesses and the risk appetite of insurers [18][19] - This structural discrepancy highlights the need for a new approach that integrates technology and risk management to facilitate the growth of the low-altitude economy [18][19] Group 4: Role of Insurance - Insurance is not just a financial product but a public trust mechanism that plays a crucial role in the stability of the low-altitude economy [29][30] - The presence of insurance is essential for gaining governmental approval for flight routes and for instilling confidence among investors and the public [35][36] - The establishment of a systematic and sustainable risk-sharing mechanism will be key to defining the future landscape of the low-altitude economy [37][38]

Core Insights - The rapid development of the low-altitude economy presents both significant opportunities and unprecedented risk management challenges, necessitating comprehensive insurance solutions [1][2][3] Industry Overview - The low-altitude economy encompasses four main sectors: low-altitude equipment manufacturing, flight safety assurance, operational services, and comprehensive services [2] - As of November 2024, there are nearly 19,000 drone operating companies in China, with 2.158 million registered drones, and drone flight hours reached 25.449 million, a 15.3% increase year-on-year [2] - The market size of China's low-altitude economy is projected to exceed 1.5 trillion yuan by 2025 and reach 3.5 trillion yuan by 2035 [2] Regulatory Environment - The implementation of the "Interim Regulations on the Management of Unmanned Aerial Vehicle Flights" mandates insurance for commercial drone operations, highlighting the growing importance of insurance in the low-altitude economy [3][4] - Regulatory requirements are aimed at enhancing risk management, compliance, and public safety within the industry [4] Insurance Market Response - Insurance companies are actively developing specialized insurance products to meet the risk management needs of the low-altitude economy, including property, liability, and accident insurance [5][6] - As of October 2024, several insurance products have been launched, including "low-altitude aircraft exclusive insurance" and "low-altitude insurance" tailored for specific regions [5][6] Challenges in Insurance Coverage - Current insurance products primarily focus on third-party liability and hull insurance, lacking coverage for cargo loss and operational interruption scenarios [8] - The rapid evolution of drone technology and the dynamic nature of associated risks necessitate more customized and flexible insurance solutions [8][9] Future Directions - There is a need for a unified national framework for low-altitude economy insurance, including standardized clauses and collaborative legislative efforts to enhance operational effectiveness [10] - The development of specialized insurance products, such as operational interruption and cargo transport insurance, is essential for comprehensive risk coverage in the low-altitude economy [10]

Core Insights - The article discusses the rapid development of the low-altitude economy in China, highlighting the emergence of new business models such as drone delivery and eVTOL, and the associated risks that necessitate comprehensive risk management and insurance solutions [1][2] Industry Overview - The low-altitude economy encompasses four main areas: low-altitude equipment manufacturing, flight safety assurance, operational services, and comprehensive services [1] - As of November 2024, there are nearly 19,000 drone operating companies in China, with 2.158 million registered drones, and drone flight hours reached 25.449 million, a 15.3% increase year-on-year [1] Regulatory Environment - The 2024 and 2025 government work reports emphasize the development of the low-altitude economy as a new growth engine, with a focus on safety and health in emerging industries [2] - The implementation of the "Interim Regulations on the Management of Unmanned Aerial Vehicle Flights" mandates insurance for commercial drone operations, highlighting the increasing importance of insurance in the sector [2] Insurance Market Response - Insurance companies are actively developing specialized insurance products to meet the risk management needs of the low-altitude economy, including property, liability, and accident insurance [4] - As of October 2024, several insurance companies, including PICC, have launched various low-altitude insurance products, covering risks associated with aircraft, operators, passengers, and data security [4][5] Challenges in Insurance - The current insurance products primarily focus on traditional aviation insurance, lacking comprehensive coverage for emerging technologies like eVTOL and advanced drones [7] - There is a need for more diverse insurance products that address specific scenarios such as cargo loss and operational interruptions, as well as improved data support for pricing [7][8] Future Directions - Experts suggest establishing a data-sharing mechanism to enhance risk pricing accuracy and developing standardized insurance clauses to address regulatory fragmentation [9] - There is a call for innovation in insurance products to create a comprehensive system that covers the entire low-altitude economy, including specialized products for operational interruptions and cargo transport [9]

Core Insights - The low-altitude economy is rapidly integrating into various sectors, becoming a new driver for economic growth, but it also faces challenges such as technical risks and operational disputes [1][2] - The establishment of the first low-altitude economic mutual insurance body in Chongqing aims to address the insurance supply-demand mismatch in this emerging industry [1][5] Group 1: Low-Altitude Economy Overview - The low-altitude economy involves activities below 1,000 meters, including drone logistics, agricultural protection, and urban air traffic, with the drone industry accounting for approximately 85% of this market [2] - China's low-altitude economy market is projected to reach 1.5 trillion yuan by 2025 and 3.5 trillion yuan by 2035, supported by favorable government policies [2][3] Group 2: Insurance Demand and Development - The safety of low-altitude operations is critical, as risks such as signal interference and network attacks are more complex than ground activities [2] - Insurance companies are actively developing products tailored to the low-altitude economy, with over 30% of property insurance firms already engaged in related business [3][5] Group 3: Chongqing's Initiatives - Chongqing has launched a comprehensive action plan to promote the high-quality development of the low-altitude economy, with 147 related enterprises established and 40 key projects planned, amounting to an investment of 28.84 billion yuan [4][5] Group 4: Insurance Product Development - The mutual insurance body has developed the "Yudikongbao" insurance products, focusing on key risk areas such as drone liability and network security, providing coverage for 16 low-altitude economy enterprises [5] - The core goal of the mutual insurance body is to address the insurance supply-demand mismatch in the low-altitude economy [5] Group 5: Challenges in Insurance Sector - The insurance sector faces challenges in product pricing and standardization, as current pricing models are based on historical data, which is insufficient for the diverse applications of drones [6][7] - There is a lack of standardized risk definitions and industry norms, complicating the formulation of insurance terms and claims processes [6][7] Group 6: Talent Development - The low-altitude economy requires professionals with expertise in aviation technology, insurance actuarial models, and risk management, but there is a shortage of such talent [7] - Educational institutions are encouraged to develop courses related to low-altitude economy insurance to foster a skilled workforce [7]

Core Insights - The low-altitude economy is rapidly developing, with the market expected to exceed 1.5 trillion yuan this year, driven by various applications such as drone delivery and medical supply transport [1] - The insurance sector is responding to the challenges posed by the low-altitude economy by creating a comprehensive insurance network that covers various aspects including aircraft, operators, and third-party liabilities [1] Policy and Regulatory Framework - Recent government policies have clarified the development framework for the low-altitude economy, recognizing it as a strategic emerging industry [2] - New regulations mandate that commercial flight activities must be insured, opening the door for the low-altitude insurance market [2] - Local governments are exploring insurance solutions for the low-altitude economy, with initiatives like Shenzhen's first low-altitude economic promotion regulations and Jiangsu's first low-altitude operational management liability insurance [2] Insurance Product Development - The current insurance products for low-altitude scenarios are limited, with many traditional insurance types unable to cover new risks associated with drone operations [3] - Insurance companies are encouraged to develop customized products and risk management solutions tailored to the unique characteristics of low-altitude operations [3] - Major insurers like PICC and Ping An are launching specialized insurance products to meet the diverse needs of the low-altitude economy, covering various scenarios and risks [4] Industry Collaboration and Research - Insurers are conducting research on the low-altitude economy and collaborating with leading enterprises to understand risk demands better [5] - Reinsurers are playing a crucial role in product innovation and risk-sharing mechanisms, with companies like Zhongcai Reinsurance developing risk assessment models and innovative insurance products [6] Challenges and Opportunities - The low-altitude insurance sector faces challenges such as the lack of standardized insurance products and the need for skilled professionals who understand both insurance and aviation [7] - Data accessibility is a significant barrier to risk assessment and product innovation, as insurers often lack access to critical flight data [8] - The industry is encouraged to establish a data governance mechanism to facilitate data sharing and improve risk identification [8] Future Outlook - The low-altitude economy is expected to evolve into a more integrated industry, with insurance playing a proactive role in governance and risk management [8] - As technology matures and regulatory frameworks improve, insurance is anticipated to become a key partner in the development of the low-altitude economy, focusing on risk prevention and technological advancement [8]

Core Viewpoint - The low-altitude economy is rapidly emerging as a new trillion-yuan industry, with innovations in insurance mechanisms becoming crucial for addressing risks associated with its development [1][6]. Group 1: Low-altitude Economy Development - The low-altitude economy is expanding from regional exploration to a national scale, with significant projects like drone delivery in rural areas and cross-province passenger flights during holidays [1]. - The development of low-altitude economy projects faces various uncertainties, making risk management essential for project success and corporate confidence [1]. Group 2: Insurance Innovations - Insurance innovations are being introduced across various regions to address the risk management needs of low-altitude economy projects, enhancing the overall security of these initiatives [1][2]. - The insurance solutions have evolved from simple policies to comprehensive risk management plans that cover all aspects of low-altitude flight operations [2][3]. Group 3: Commercial Applications - After successful test flights, low-altitude aircraft are moving towards commercial applications, serving diverse industries such as emergency rescue and industrial manufacturing [4][5]. - Companies like Zongheng Co. have established manufacturing bases for industrial drones, which are increasingly used in disaster response scenarios [4]. Group 4: Government and Local Initiatives - Local governments are recognizing the importance of insurance in the low-altitude economy and are actively exploring insurance solutions to meet emerging demands [6][7]. - Guangdong province has taken the lead in developing low-altitude economy insurance, launching the first dedicated insurance products to cover risks associated with low-altitude operations [6][7]. Group 5: Market Potential and Future Outlook - The demand for insurance in the low-altitude economy is expected to grow significantly, with projections indicating a market size of 8 to 10 billion yuan by 2035 [7]. - Collaboration among government, insurance companies, and enterprises is essential to build a robust insurance ecosystem that supports the low-altitude economy [7].