Recently, as humanoid robots transition from laboratories to commercial applications, their potential risks have become increasingly prominent. To address the diverse insurance needs of this emerging industry, leading property insurance companies such as Ping An Property & Casualty Insurance, China Pacific Property Insurance, and People's Insurance Company (Group) of China have dense (can be translated as 'intensively' in context) launched exclusive insurance products for embodied intelligence. These solutions cover multiple dimensions, including robot body damage, third-party liability, cybersecurity, and data breaches. Some products also innovatively support daily, weekly, and monthly insurance policies, precisely catering to diverse commercial scenarios such as exhibition demonstrations and short-term leases. Industry insiders point out that as a culmination of artificial intelligence and mechanical engineering, humanoid robots exhibit significantly different risk structures compared to traditional industries. The insurance sector needs to strengthen risk research and promote product innovation to meet their unique insurance needs.
