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Insure a humanoid robot

¡õ Reporters Yu Yong
 
From April 11th to 12th, the full-process and all-element test for the 2026 Beijing Yizhuang Humanoid Robot Half Marathon was held. According to reports, this year's event will take place in late April, bringing together over 300 humanoid robot contestants from 26 brands, fully demonstrating the vitality of China's robot industry from technological research and development to product innovation.
 
From dance performances, martial arts demonstrations to various competitions, the embodied intelligence-related industries represented by humanoid robots have experienced rapid development in recent years. The insurance industry, on the other hand, has made efforts from both the asset and liability sides to help these related industries transition from "running fast" to "walking steadily".
 
"Making efforts on both ends of asset and liability"
 
As early as 2023, a large number of embodied intelligence enterprises were established successively. However, the unclear technological path and the need to explore commercialization scenarios have become challenges that enterprises must face in their development. A more realistic problem is that in such a long-term race, research and development operations require funds everywhere. Beijing Science and Technology Innovation Fund Cooperation Sub-fund participated in the seed round and angel round investments of companies such as Songyan Dynamics and Galaxy General at the beginning of their establishment.
 
The embodied intelligence industry is a long-term race. As enterprises enter the stage of technological breakthroughs, their demand for long-term and stable funding becomes more urgent. Insurance funds, characterized by their large scale, long-term nature, and high stability, inherently possess the potential to accompany enterprises' growth over the long term. In 2024, the asset company under the China Life Group initiated the establishment of the "China Life-Beijing Science and Technology Innovation Equity Investment Plan" with a scale of 5 billion yuan. It participated in the Beijing Science and Technology Innovation Fund investment through S-fund shares, taking over the baton of "investing early, investing small, investing for the long term, and investing in hard technology," thereby injecting long-term financial support into science and technology innovation enterprises.
 
In early March this year, the Ministry of Science and Technology, the National Financial Regulatory Administration, and two other departments jointly issued the "Several Opinions on Accelerating the High-quality Development of Technology Insurance and Strongly Supporting High-level Technological Independence and Self-reliance". It proposed to encourage the development of exclusive technology insurance products and explore the establishment of a special risk reserve system in key technological and industrial development fields such as artificial intelligence, integrated circuits, quantum technology, bio-manufacturing, hydrogen and nuclear fusion energy, brain-computer interfaces, and embodied intelligence. The Insurance Association of China will promptly formulate demonstration clauses for relevant insurance types as needed to standardize the scope of insurance liability.
 
It takes less than 1 second for a robot to take a step forward. To successfully take this step, a series of precise coordination processes are required, including environmental perception, decision-making, command transmission, and joint driving. In April this year, Ping An Property Insurance Beijing Branch successfully underwrote a comprehensive insurance project for robots of an energy enterprise. Liu Hengda, the sales director of the First Major Customer Service Department of Ping An Property Insurance Beijing Branch, introduced that the company has set up a special scientific and technological innovation service team to conduct in-depth field research in enterprises, deeply study and assess the risks throughout the entire process of robot research and development testing, on-site operation and maintenance, human-robot interaction, and data transmission, and build a comprehensive, multi-dimensional, and integrated robot protection system. Next, the company will continue to deeply cultivate the scientific and technological innovation insurance track, efficiently transfer uncontrollable scientific and technological innovation risks, reduce operation and maintenance costs and trial-and-error costs, focus on artificial intelligence, intelligent equipment, and new energy digital industries, and continuously upgrade the full life cycle risk solution.
 
According to the "Research Report on the Development of Humanoid Robot Industry (2024)" released by the China Academy of Information and Communications Technology, it is estimated that the market size of complete robots will reach approximately 50 billion yuan by 2035, and could reach the level of about 10 trillion yuan by 2045. The number of robots will exceed 100 million, covering diverse scenarios such as industrial assembly, elderly care, medical assistance, and special operations.
 
Fit the application scenario
 
How to compensate customers injured by delivery robots in restaurants? How to define responsibility when industrial robotic arms go out of control, leading to production line stagnation? These scenarios represent the "last mile" of cutting-edge technology application. What the insurance industry needs to address is: how to ensure the transition from application to practical use of innovative technologies in the process of serving society and people's livelihood.
 
During the interview, the reporter learned that PICC has focused on the entire lifecycle of humanoid robots, from the laboratory to the production line, and from research and development to commercialization, launching diversified insurance solutions to fill the gap in industry protection.
 
Relevant officials from PICC (People's Insurance Company of China) introduced that in terms of R&D and pilot testing, PICC has innovatively launched insurance products for comprehensive loss of concept verification and small-scale testing expenses, as well as insurance for comprehensive loss of pilot testing verification expenses. These products provide exclusive risk protection for key R&D projects of humanoid robot technology enterprises and scientific research institutions, facilitating the transition of technological achievements from laboratory solutions to production line products. In terms of commercial scenarios, PICC's comprehensive insurance solution for embodied intelligence consists of insurance for the loss of the embodied intelligent robot itself and third-party liability insurance. It covers losses caused by traditional disasters, human operational errors, electrical and network issues, as well as third-party liabilities resulting from accidents.
 
The intelligent, dynamic, and interactive features of humanoid robots not only expand the working scenarios of robots but also pose new risks that distinguish them from traditional mechanical equipment. PICC adopts a response model of "dynamic assessment + cross-industry cooperation" to address industry pain points. On the one hand, it fully leverages underwriting data from mature categories such as industrial robots, service robots, and special robots, and combines core dimensions such as the safety level, operational scenarios, and maintenance costs of humanoid robots to establish a dynamic pricing mechanism and continuously improve pricing accuracy. On the other hand, it proactively goes deep into laboratories and production workshops, collaborates closely with upstream and downstream enterprises in the industry chain, and jointly conducts comprehensive risk assessments for robots. It gradually builds a dynamically evolving risk assessment system to achieve early risk prediction and precise prevention and control.
 
The high manufacturing and maintenance costs of robots have given rise to the robot rental market, providing a new breakthrough for the commercial deployment of humanoid robots. Addressing the pain points of the rental model, which involves "heavy asset investment and light asset operation," the insurance industry has tailored differentiated insurance solutions to provide protection for both renters and lessors.
 
For diverse fields such as product display, commercial performances, industrial inspections, and medical services, PICC (People's Insurance Company of China) proactively engages with leading robot manufacturers and industrial funds in regions like Beijing-Tianjin-Hebei and the Yangtze River Delta, tailoring scenario-specific and differentiated comprehensive insurance solutions for their robot leasing companies. These solutions comprehensively cover the entire leasing process, including physical loss and third-party liability.
 
At the beginning of this year, Ping An Property Insurance signed an insurance cooperation agreement for the financing and leasing project of embodied intelligent robots with Shanghai Electric Financial Leasing Co., Ltd. and Shanghai Electric Insurance Brokerage Co., Ltd., marking the implementation of the country's first "insurance + leasing" policy for embodied intelligent robots. He Ying, General Manager of Ping An Property Insurance Shanghai Branch, stated that this breakthrough in the "insurance + leasing" model represents an important practice for Ping An Property Insurance to empower traditional insurance with technology and serve the real economy. This model not only solves the problem of information asymmetry in single equipment insurance, but also builds a full-chain risk control closed loop of "manufacturing-use-guarantee" through joint industrial partnerships, truly promoting the upgrading of insurance from post-compensation to pre-event prevention and in-process intervention.
 
Innovate to meet challenges
 
Through the bright display window, the figure of a chef stir-frying in front of the stove is nowhere to be seen. Instead, a robotic arm is seen stirring in the pot. This is a community artificial intelligence smart canteen located in Changning District, Shanghai, where all dishes are prepared by robots. The operator of the canteen is a specialized and innovative enterprise named Xixiang Zhichu, which is committed to combining automated cooking with traditional catering. Relying on a big data platform, it achieves informatization and intelligence in various links such as dish preparation, cooking, and meal distribution. Currently, the enterprise has built artificial intelligence canteens in multiple locations and over 50 intelligent unmanned kitchens.
 
Industry insiders believe that embodied intelligent robots are accelerating their integration into various industries. However, their insurance needs face numerous challenges: Firstly, the confidentiality of core technology data is high, making it difficult for insurance companies to accurately assess the risk exposures faced during research and development and pilot testing. Secondly, most robot manufacturing enterprises are in their early stages, and traditional insurance service models struggle to match their flexible needs and cost considerations. Thirdly, robot products have a wide range of application scenarios and rapid product iterations, with varying risk exposures in different scenarios. Insurance products also need to follow suit and iterate. These factors have led to a mismatch between the supply and demand of insurance services in the embodied intelligence-related industries, and insurance faces bottlenecks in product innovation and marketization.
 
Recently, CPIC P&C Ningbo Branch launched an exclusive insurance product designed specifically for the commercial application of humanoid robots - "Smart Insurance". According to the relevant person in charge of CPIC P&C, this product features three core innovations in its design: full scenario coverage, pioneering a risk protection model that spans the entire chain of "production, sales, leasing, and use", strengthening the resilience of the industrial chain; integrated protection, adopting the concept of "risk personification" to achieve integrated protection for ontological loss, third-party liability, and own property loss, realizing both broad spectrum and refinement; flexible duration, breaking through the limitations of traditional annual policies, supporting insurance by day, week, and month, accurately adapting to diverse business scenarios.
 
Many industry insiders have indicated that the market demand for embodied intelligence-related products has greatly promoted the innovation and development of insurance products, opening up a new track for insurance companies to focus on technology-based insurance. However, from the perspective of risk exposure, embodied intelligence-related insurance products have exceeded the coverage of single property insurance products. In the future, the competition for embodied intelligence insurance products will evolve from pure product design to a comprehensive contest of scene understanding ability, technology integration ability, and ecosystem construction ability. This differentiated competition has also driven product iteration and service upgrades in the property insurance industry.
 
Currently, cities such as Beijing, Shanghai, and Shenzhen have all introduced policies to support the development of industries related to embodied intelligence. Various insurance companies are also continuously launching innovative products and services. The relevant person in charge of the Beijing Regulatory Bureau of the National Financial Regulatory Administration stated that in the next step, the Beijing Financial Regulatory Bureau will guide the property insurance industry within its jurisdiction to innovate insurance products and service models, precisely meet the risk protection needs of industries and enterprises, promote industrial innovation through financial innovation, and effectively support the high-quality development of future industries such as embodied intelligence.
 
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Insure a humanoid robot
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