倒咖啡、车身检测、做电力巡检……在近日举办的2025年第二届中关村具身智能机器人应用大赛 上，99支战队各自携智能具身机器人"上岗"，围绕工业装配、居家服务、安全处置等核心场景展开技术 比拼，集中呈现了国内具身机器人领域的最新成果。 "十五五"规划建议明确提出"推动科技创新与产业创新深度融合，加快重大科技成果高校转化应 用，加大应用场景建设和开放力度"，为前沿技术落地与产业服务创新指明了方向。作为让AI拥有物理 实体、能与环境交互的技术范式，具身智能产业以机器人为关键载体，深度衔接数字技术与实体经济。 在业内人士看来，加快人形机器人转化应用，既要攻克技术难关，也离不开金融服务赋能。当前， 保险机构已主动入局，为具身智能产业壮大提供定制化保障与全周期服务。 头部险企推出具身智能保险产品 所谓具身智能机器人，简单来说就是拥有"身体"的人工智能，它拥有"最强大脑"和"灵活四肢"，让 人工智能实现从"知"到"行"的关键跨越。 近年来，我国人形机器人产业迅猛发展。据中国电子学会预测，到2030年，我国人形机器人市场规 模有望达到约8700亿元。根据中国信通院最新发布的人形机器人产业发展研究报告数据，人形机器人未 来在生 ...

Core Insights - The demand for risk management in humanoid robots is increasing as they transition from laboratories to diverse application scenarios, prompting several leading property insurance companies to launch related insurance products [1][2] - The insurance industry must enhance risk research and innovate products to better match the unique protection needs of this emerging industry, as the risk structure of humanoid robots differs from traditional industries [1][3] Group 1: Innovative Insurance Products - A company in Wuhan has purchased insurance for its two humanoid robots, marking the first instance of bodily loss insurance for intelligent robots in Hubei Province, with each robot's premium around 5,000 yuan and a maximum claim of 500,000 yuan for damages within a year [2] - In September, Taiping Property Insurance's Ningbo branch launched a dedicated insurance product called "Smart Insurance" designed for the commercial application of humanoid robots, featuring three core innovations: comprehensive coverage, integrated protection, and flexible terms [2] Group 2: Policy Support - The humanoid robot market has promising development prospects supported by government policies, which also present business opportunities for insurance institutions [3] - Various local governments have issued policy documents this year to support the development of humanoid robots, with some encouraging the development of related insurance products, such as a subsidy of up to 1 million yuan for companies insuring humanoid robots [3] Group 3: Need for Research and Exploration - The insurance industry is advised to strengthen research and exploration to develop innovative products that accurately match the risk characteristics of humanoid robots [4] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamic rate adjustments to adapt to technological changes [4]

Core Insights - The demand for risk management in humanoid robots is increasing as they transition from laboratories to diverse application scenarios [1] - Several leading property insurance companies have launched insurance products related to humanoid robots, including coverage for robot body loss, third-party liability, and employer liability [1] - The insurance industry needs to enhance risk research and innovate products to better match the unique protection needs of this emerging industry [1] Innovation in Insurance Products - A company in Wuhan has purchased insurance for two humanoid robots, marking the first body loss insurance for embodied intelligent robots in Hubei Province, with a premium of nearly 5,000 yuan per robot and a maximum claim amount of 500,000 yuan within one year of coverage [1] - In September, Taiping Property Insurance's Ningbo branch launched a dedicated insurance product called "Smart Insurance" for the commercial application of humanoid robots, featuring three core innovations: comprehensive scenario coverage, integrated protection, and flexible terms [1] Policy Support and Market Opportunities - Multiple local governments have issued policy documents supporting the development of humanoid robots, encouraging the growth of related insurance products [2] - For instance, Beijing's Economic and Technological Development Zone has proposed measures to promote financial innovations like robot insurance, offering subsidies of up to 1 million yuan per year for 50% of actual premiums [2] - The humanoid robot industry faces unique risk characteristics compared to traditional industries, which presents challenges for actuarial pricing due to a lack of historical data [2] Recommendations for the Insurance Industry - Industry experts suggest that the insurance sector should enhance research and exploration to develop innovative products that accurately match the risk characteristics of humanoid robots [2] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamically adjustable rates to adapt to technological changes [2] Addressing Market Concerns - Legal experts emphasize that the core of humanoid robot insurance is to alleviate market concerns regarding usage, damage, and affordability [3] - Suggestions include data co-construction, layered responsibility, customized scenarios, standardization, and technology empowerment to effectively enhance insurance coverage for complex risks [3]

Core Insights - The demand for risk transfer and management is increasing as humanoid robots transition from laboratories to practical applications [1] - Leading insurance companies are launching insurance products related to humanoid robots, covering various types of insurance such as robot body loss insurance, third-party liability insurance, and employer liability insurance [1] Group 1: Innovative Insurance Products - A company in Hubei province purchased insurance for two humanoid robots, marking the first body loss insurance for embodied intelligent robots in the region, with a premium of nearly 5,000 yuan per robot and a maximum claim amount of 500,000 yuan [2] - The insurance industry is actively exploring and launching corresponding insurance products to provide coverage for the emerging humanoid robot industry [2] - Taiping Insurance's Ningbo branch introduced a dedicated insurance product "Smart Insurance" for the commercial application of humanoid robots, featuring comprehensive coverage, integrated protection, and flexible policy terms [2] Group 2: Comprehensive Financial Solutions - Ping An Property & Casualty launched a "Comprehensive Financial Solution" for embodied intelligent robots, which includes risk protection, credit support, public financing, and leasing operations [3] - The insurance coverage under this solution includes employer liability insurance, product liability insurance, cargo insurance (including batteries), product quality insurance, and third-party product insurance [3] Group 3: Industry Challenges and Recommendations - Industry experts emphasize the need for the insurance sector to enhance research and innovation to address the unique risk characteristics of the humanoid robot industry [4] - Challenges include a lack of historical data for actuarial pricing, rapid technological iterations, and unclear legal frameworks regarding the legal status and liability of robots [4] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamic pricing to adapt to technological changes [4]

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]

Core Insights - The emergence of humanoid robots has created a new market worth hundreds of billions, attracting major insurance companies to develop specialized insurance products to manage associated risks [2][3][4] Group 1: Market Opportunities - Major insurance companies like Ping An, Taiping, and PICC have launched dedicated insurance products for humanoid robots, covering various risks such as damage to the robot itself, third-party liability, cybersecurity, and data breaches [2][4][5] - According to a report by the China Academy of Information and Communications Technology, the humanoid robot market in China is expected to reach a scale of 100 billion by 2035, presenting new business opportunities for insurance firms [3] Group 2: Product Innovations - Taiping's "Smart Insurance" product features three core innovations: comprehensive coverage across the entire supply chain, integrated risk protection, and flexible policy durations that allow for daily, weekly, or monthly coverage [4][5] - PICC has introduced a comprehensive insurance product that combines coverage for robot damage and third-party liability, addressing risks from natural disasters and operational failures [5] Group 3: Industry Challenges - The insurance industry faces challenges in accumulating long-term and systematic accident and claims data for humanoid robots, making it difficult to standardize insurance policies [2][8] - The lack of established international or industry standards for artificial intelligence and humanoid robots poses additional risks, including compatibility and safety issues [8][9] Group 4: Regulatory Support - The Chinese government has proposed measures to support the high-quality development of the artificial intelligence industry, including the implementation of the "Artificial Intelligence+" initiative and financial support for insurance products related to new technologies [11]

Core Insights - The humanoid robot industry is experiencing explosive growth driven by breakthroughs in AI technology and upgraded demand [3][4] - Insurance is becoming a crucial tool for risk management in the humanoid robot sector, with companies developing specialized insurance products to address diverse risks [3][5] Industry Growth and Market Potential - By 2025, the market size for embodied intelligence in China is expected to reach 5.295 billion yuan, accounting for approximately 27% of the global market; the humanoid robot market is projected to reach 8.239 billion yuan, representing about 50% of the global market [3] - The rapid development of the industry necessitates a robust risk management framework to support sustainable growth [3] Insurance Product Development - Taiping Insurance has launched a dedicated insurance product "Smart Insurance" for the commercial application of humanoid robots, covering the entire risk chain from production to usage [3] - PICC Property and Casualty is utilizing a dual-track model with "robot body loss insurance + third-party liability insurance" to enter the market, covering damages from natural disasters and operational failures [4] - The insurance products focus on multiple layers of protection, including physical damage to robots, third-party liability, and product safety [4] Challenges in Insurance Sector - The insurance industry faces challenges such as insufficient data accumulation, limitations in risk assessment models, and market perception biases [5][6] - The lack of historical failure data for humanoid robots complicates the development of accurate risk assessment models [6][7] Data and Policy Support - Insurers are encouraged to engage in product safety assessments and data collection during the experimental phase to address data shortages [7] - Policy support is crucial for industry development, with government initiatives promoting the creation of insurance products for emerging technologies like robots [7]

Group 1 - Figure AI's former product safety chief Robert Grendel has filed a lawsuit claiming that the company's humanoid robots could cause skull fractures and alleges he was fired for raising safety concerns [1] - Grendel warned CEO Brett Adcock and chief engineer Kyle Edelberg about the robots' deadly performance, highlighting an incident where a robot caused a quarter-inch crack on a steel refrigerator door [1] - After submitting documented safety complaints, Grendel was terminated in September, claiming he was asked to prepare a safety roadmap for potential investors, which was later abandoned [1] Group 2 - The emergence of humanoid robots in crowded public events raises significant safety risks due to the lack of comprehensive international or industry standards, leading to compatibility and safety issues [3] - An incident at the 2025 World Humanoid Robot Games involved a robot colliding with an engineer, emphasizing the risks associated with humanoid robots [3] - The insurance industry faces challenges in providing risk coverage for robot companies, including complex risk assessments due to rapid technological advancements and the dynamic nature of risk characteristics [3][4] Group 3 - The lack of long-term risk data in the emerging field of robot insurance complicates accurate risk assessment and premium pricing, as traditional actuarial models are not directly applicable [6] - Insurers are developing innovative financial products to mitigate risks in the robot industry, with major companies like Ping An and China Pacific Insurance launching specialized insurance products for humanoid robots [6][7] - The insurance products available include property insurance, machinery damage insurance, third-party liability insurance, and cybersecurity insurance, aimed at covering various risks associated with robot operations [7] Group 4 - The first breakthrough in robot insurance occurred in early 2022 with the launch of the "Mobile Robot Quality Liability Insurance" by PICC, addressing various product quality issues [8] - In 2023, a pilot project in Changzhou provided insurance for local robot companies, demonstrating regional support for the robot insurance market [8] - By 2025, the insurance industry is transitioning from policy formulation to implementation, with various events and initiatives promoting insurance coverage for robots [10] Group 5 - Local governments are responding to the need for robot insurance, with policies in cities like Ningbo and Hainan promoting the development of humanoid robot application insurance [10][11] - Insurance products are being tailored to cover risks from design defects, operational failures, and cyberattacks, with a focus on third-party liability [11][12] - New insurance offerings include specialized products for exoskeleton robots and smart agricultural robots, indicating a growing market for tailored insurance solutions [12][14] Group 6 - The insurance industry views robot insurance as a means to provide comprehensive risk coverage across the entire lifecycle of humanoid robots, addressing various operational scenarios [15][16] - Insurers are adapting their pricing and claims processes based on accumulated data from existing industrial robots, but face challenges due to the rapid evolution of humanoid robots and the lack of historical data [16]

Core Insights - The rapid development of artificial intelligence and embodied intelligence technology is leading humanoid robots from laboratories to homes and public service sectors, but concerns about risks such as "not daring to use, fear of damage, and inability to afford" are bottlenecks for large-scale commercialization [2] - Major domestic property insurance companies, including Ping An, Taikang, and PICC, have launched specialized insurance products for embodied intelligence to address the last-mile challenges of commercialization [2][6] Industry Overview - Humanoid robots, integrating advanced technologies like AI, high-end manufacturing, and new materials, are becoming a new frontier in technological competition and future industries [3] - The domestic market for embodied intelligence is expected to grow significantly, potentially reaching 12.5 trillion yuan by 2027, with applications in various fields such as industrial welding, special operations, and elder care services [3] Risk Factors - Users are particularly concerned about safety guarantees when promoting and using humanoid robots, with international clients requiring insurance for market application [3][4] - Risks associated with humanoid robots include damage to the robots themselves and potential harm to surrounding people or property [3][4] - The lack of unified international or industry standards for AI and embodied intelligence poses compatibility and safety risks [4][5] Insurance Innovations - Since September, leading insurance companies have been actively launching insurance products related to embodied intelligence [6] - China Taikang's "Smart Insurance" product offers comprehensive risk coverage across the entire supply chain, integrating various types of protection [6] - PICC has introduced a comprehensive insurance product covering both the robot's physical damage and third-party liability, addressing various scenarios such as natural disasters and operational failures [6] - Ping An has developed a comprehensive financial solution for embodied intelligence enterprises, providing extensive risk coverage and support across multiple sectors [7]

Core Viewpoint - The rapid development of artificial intelligence and embodied intelligence technology is leading humanoid robots from laboratories to homes and public service sectors, but concerns about risks such as "dare not use, fear of damage, and cannot afford" are bottlenecks for large-scale industrial application [3][5]. Group 1: Market Growth and Applications - The domestic market for embodied intelligence is expected to grow continuously, potentially reaching 1.25 trillion yuan by 2027, with humanoid robots filling labor gaps in various fields such as industrial welding, special applications like mining, and service scenarios like elderly care [6]. - Humanoid robots are increasingly entering crowded public performance scenarios, raising safety concerns among users [7]. Group 2: Risks and Challenges - The risks associated with humanoid robots include self-damage and causing harm to the surrounding environment, as they interact with humans [7]. - The industry faces broader risks, including technical standard risks due to the lack of complete and unified international or industry standards, leading to compatibility and safety issues [7][8]. - Data compliance and cross-border legal challenges arise from the collection and processing of user behavior and environmental data by embodied intelligence devices [8]. Group 3: Insurance Innovations - Major domestic insurance companies have begun launching specialized insurance products for embodied intelligence since September, aiming to address the commercialization challenges [9]. - China Pacific Insurance launched "Jizhi Bao," which offers comprehensive risk coverage across the entire supply chain, integrating various types of insurance [9]. - China People's Insurance introduced a comprehensive insurance product covering both the robot's physical damage and third-party liability, addressing various scenarios such as natural disasters and operational failures [9]. - Ping An Insurance has developed a comprehensive financial solution for embodied intelligence enterprises, providing extensive risk coverage and support across multiple sectors [10].