面对产业崛起的新机遇，保险业主动入局，探索落地一系列专属保险产品，为智能机器人产业发展 扫清风险障碍。近日，武汉光谷一家科技公司购买了两台120多斤重的人形机器人，准备进行二次开 发。为了减轻科研人员对机器人零件损伤的顾虑，专心投入研发，该公司为两台人形机器人购置了具身 智能机器人本体损失保险。每台保费近5000元，若投保一年内机器人遇损伤，该公司最高可获50万元理 赔。据《金融时报》记者梳理，今年已有人保财险、平安产险、太保产险等保险公司陆续推出具身智能 机器人专项保险方案，产品涵盖机器人本体损失险、第三者责任险、雇主责任险等。例如，人保财险 的"具身智能综合保险"将网络安全事件、系统崩溃等新型风险纳入保险责任范围。平安产险打造"保险 +科技+资本"一体化解决方案，除基础风险保障外，还为企业提供研发赋能、资本对接等增值服务。太 保产险的"机智保"创新性实现"生产、销售、租赁、使用"全流程保障覆盖，支持按天、按周、按月灵活 投保，精准匹配短期租赁、展会演示等多元化场景需求。具身机器人产业发展空间广阔，与之相匹配， 保险业的保障体系也将持续迭代完善。 随着商业化落地步伐加快，具身机器人的维修售后受到关注。机器人 ...

Core Insights - The rapid advancement of artificial intelligence (AI) has made humanoid robots a focal point for commercial applications, with significant market potential projected to reach hundreds of billions in China by 2035 [1][8] - The insurance industry is responding to the emerging risks associated with humanoid robots by developing specialized insurance products to cover various aspects such as property damage, third-party liability, and cybersecurity [1][3][9] Industry Overview - Humanoid robots are seen as a culmination of AI and mechanical engineering, with applications in manufacturing, social services, and specialized operations [1] - The market for humanoid robots is expected to grow significantly, with projections indicating a market size of 1 trillion to 3 trillion yuan by 2040 [8] Insurance Innovations - Major insurance companies like China Pacific Insurance and People’s Insurance Company of China have launched tailored insurance products for humanoid robots, addressing risks such as property loss and third-party liability [3][4] - The "Smart Insurance" product by China Pacific Insurance offers flexible coverage options, allowing for daily, weekly, or monthly policies to suit various commercial scenarios [3] Risk Management Challenges - The complexity of humanoid robots introduces diverse risks, including personal safety, property damage, and liability issues, which are not fully covered by traditional insurance products [5][7] - The rapid technological evolution of robots complicates the insurance landscape, requiring frequent adjustments to policy terms and rates [7][9] Regulatory Support - Government initiatives are increasingly supporting the humanoid robot industry, with policies aimed at fostering innovation and reducing insurance costs for companies [10] - Local governments are providing subsidies for insurance premiums to encourage the adoption of humanoid robots [10] Future Outlook - The humanoid robot industry is expected to experience exponential growth, necessitating robust insurance mechanisms to mitigate emerging risks [11][13] - The development of new insurance products and standards is crucial to address the unique challenges posed by humanoid robots, including ethical considerations and liability definitions [12][13]