业内人士认为，人形机器人保险的加速落地，不仅能助推机器人产业健康发展，也可使保险更好服务产 业升级，让金融与创新产业进一步深度融合。 多家险企已布局 春节前，人保财险广州市分公司为国家级专精特新"小巨人"企业、具身智能机器人装备及智能制造方案 提供商——广州里工实业有限公司，定制了专属保险方案。 据人保财险相关人士介绍，方案覆盖两大方面的保障： 一方面是具身智能机器人本体损失保险，范围不仅涵盖自然灾害、操作失误、电气故障等传统风险，还 新增恶意软件攻击、黑客入侵等网络安全的新型风险。这一保险产品不仅保障机器人本体，还把配套设 备及软件系统的直接损失与合理施救费用全面纳入。 另一方面是具身智能机器人第三者责任保险，对机器人使用过程中因故障、缺陷、通信异常、网络事故 等非除外责任导致的第三方人身伤亡、财产损失及相关法律费用提供赔偿。 记者梳理发现，自2025年下半年起，头部财险公司纷纷布局人形机器人保险赛道。 今年春节，人形机器人讨论热度颇高。随着具身智能技术快速发展，人形机器人正一步步从实验室走向 商业化应用，配套的风险兜底需求也同步爆发。中国证券报记者了解到，目前，多家保险公司已布局机 器人保险业务。 推动精 ...

Core Insights - The emergence of embodied intelligent robots is accelerating their penetration into various application scenarios, highlighting the need for insurance coverage as these devices become more prevalent in public spaces [1][3] - Major insurance companies have begun to develop specialized insurance products for robots, covering property damage, third-party liability, and product quality risks, thereby establishing a risk management framework for their commercial use [1][2] Group 1: Insurance Product Development - Leading insurance companies have launched products that cover core risks such as robot body damage and third-party liability, with coverage limits reaching several hundred thousand yuan per unit [2] - The insurance for robot body damage operates on a "full coverage" logic similar to auto insurance, encompassing various scenarios including operational errors and cyber-attacks [2] - Third-party liability insurance includes coverage for design defects, external interaction module failures, and accidents during use, with flexible terms for different stakeholders [2][6] Group 2: Market Demand and Trends - The commercialization of embodied intelligent robots is driving a surge in insurance demand, with predictions that the robot leasing market could reach 10 billion yuan by 2026 [3][4] - The insurance landscape is evolving to address new risks associated with robots, extending coverage from basic operational errors to include disaster incidents and transportation damage [4][5] Group 3: Challenges in Insurance Services - The insurance sector faces challenges in data accumulation, with confidentiality of core technology data raising the bar for risk assessment [6] - The mismatch between the flexible needs of startup robot manufacturers and traditional insurance models creates barriers to product innovation and implementation [6] - The current conservative pricing of insurance products is attributed to a lack of real data, necessitating ongoing adjustments as more operational and risk data becomes available [7]