Embodied-AI Robot Insurance

具身智能机器人保险Advanced

Insurance designed for humanoid or embodied robots, covering damage to the robot and harm it causes others.

Embodied-AI robot insurance refers to insurance products that insurers design specifically for humanoid robots, quadruped robots, and other embodied products. As reported, Chinese property insurers began offering such products starting in 2025, typically covering two things: property insurance for damage to or loss of the robot itself, and liability insurance for injuries or property damage the robot causes to others while working, performing, or being rented out. It addresses the question of who pays after something goes wrong: once robots start appearing in paid performances, showroom tours, factories, and homes, a single fall or loss of control could cause real damage, and it's often unclear whether the manufacturer, the operator, or the user bears responsibility. Insurance shifts this risk elsewhere, lowering the barrier to rental and deployment, and also pushes manufacturers to provide fault logs and safety data.

Also called: Humanoid Robot Insurance
Related: Robot Rental · Commercial Robot Performances · Embodied Safety · Functional Safety · Scaled Deployment
Sources: Liability insurance - Wikipedia
Product liability - Wikipedia
As of: 2025