Insurance on humanoid robots needs to be further studied, and the risk profile needs to be clarified.

During the Spring Festival, the discussion about humanoid robots in the market shows no signs of cooling down. With the rapid development of embodied intelligence technology, humanoid robots are gradually moving from the laboratory to real-life scenarios. At the same time, there is a growing demand for accompanying risk protection. Currently, many large property and casualty insurance companies have already entered the related business, allowing humanoid robots to have their own insurance policies. In the eyes of industry insiders, insuring humanoid robots can not only promote the healthy development of the robot industry but also allow insurance to better serve industrial upgrading, further integrating finance and innovative industries. From the perspective of insurance coverage, although insurance companies have made commendable innovations, their exploration of the entire chain of humanoid robots is still in its early stages. Due to the lack of risk data for humanoid robots, rapid technological iteration, complex risk structures, and dynamic changes, insurance companies face multiple challenges in understanding the risk profile of related businesses. Experts believe that in the future, it is necessary to promote ecological synergy, strengthen data sharing and standard building among the technology industry, scientific research field, and insurance industry, under the premise of data and privacy security being controlled.