Humanoid robots represent disruptive products that integrate advanced technologies including artificial intelligence, high-end manufacturing, and new materials, establishing themselves as a new frontier in technological competition and emerging industry development.
Recently, CPIC's Ningbo branch under China Pacific Insurance Group introduced "Smart Insurance" (Jizhi Bao), China's first specialized insurance product designed specifically for commercial applications of humanoid robots. This innovative insurance product bridges the "last mile" between technological innovation and market application, enabling all industry stakeholders to embrace the humanoid robot era with greater confidence.
As a major advanced manufacturing base in China, Ningbo is actively developing a leading national humanoid robot industry cluster and positioning itself as a national innovation hub for embodied intelligence led by humanoid robots. However, market concerns stemming from high technological complexity and novel application scenarios—namely "afraid to use, afraid of damage, and unable to afford compensation"—have become practical bottlenecks constraining large-scale industry development.
Addressing these application challenges, CPIC's Ningbo branch innovatively launched "Smart Insurance." As a典型案例 of financial innovation empowering cutting-edge technology, this product features three core design innovations:
Comprehensive scenario coverage: Pioneering risk protection framework spanning the entire "production, sales, leasing, and usage" value chain, strengthening industrial resilience;
Integrated protection: Implementing a "risk personification" concept to achieve unified coverage for equipment damage, third-party liability, and property loss, balancing broad spectrum and precision protection;
Flexible terms: Breaking traditional annual policy constraints by supporting daily, weekly, and monthly coverage options, precisely matching diverse commercial scenarios while demonstrating insurance service agility and responsiveness.
Industry experts note that the launch of "Smart Insurance" not only provides strong support for Ningbo's intelligent manufacturing industry but also offers valuable insights for national humanoid robot industry development, further accelerating large-scale applications of humanoid robots in intelligent manufacturing, commercial services, and other sectors.