Comprehensive Liability Insurance for Robot Products

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Product Description

Ping An Property & Casualty Robotics Comprehensive Liability Insurance is a comprehensive risk protection solution specifically designed for embodied intelligent robots, with maximum coverage of RMB 500, 000–1,000,000 per unit and annual premiums ranging from RMB 3,000 to 30,000 per unit based on scenario-specific risk probabilities. On 4 January 2026, Ping An P&C issued the nation’s first "Insurance + Leasing" policy for embodied intelligent robots, marking a new stage in risk protection for commercial robotics applications. As of 30 September 2025, Ping An P&C had cumulatively underwritten 1.98 million technology insurance policies, providing risk coverage exceeding RMB 7.6 trillion, covering key sectors including aerospace, new materials and high-tech industries.

Product Specifications

The product adopts a "negotiated agreement" model to determine liability limits and excesses, covering four major risk categories: product design defects, failures of external interaction modules, collisions or rollovers during use, and cybersecurity incidents, including hacker attacks. Coverage includes personal injury and property damage to third parties caused by product defects and associated legal expenses; repair, replacement, or return costs due to insufficient software support facilities; as well as appraisal fees, transport costs, and other related expenses. The product offers flexible policy terms starting from three months, with automatic policy amendments and premium adjustments based on software version updates, precisely matching risk exposures across different robot models and application scenarios.

Company Profile

Ping An Property & Casualty Insurance Company of China, Ltd. Shenzhen Branch

Ping An Property & Casualty Insurance Company of China, Ltd. Shenzhen Branch was established on 6 September 1988. With the support of the Shenzhen Municipal Government, regulatory authorities, our extensive client base and the wider community, it has steadily developed into a professional insurance institution comprising 19 sub-branches, business offices and marketing service departments, with a total workforce of over 1,900 employees. Under the strategic guidance and strong support of Ping An Group and the Property & Casualty Insurance Headquarters, the company fully leverages the Group’s comprehensive financial strengths to provide clients with comprehensive and efficient insurance services. The company offers over 1,000 main insurance products, with its business scope covering statutory property insurance lines such as motor vehicle insurance, liability insurance, accident insurance, health insurance, commercial property insurance, agricultural insurance, household property insurance, engineering insurance, cargo insurance, special risks insurance and marine insurance, as well as international reinsurance business. The company has established an outstanding professional reputation and a strong track record of service excellence within the industry. In 2024, Ping An Property & Casualty Insurance Shenzhen Branch achieved a total premium income of RMB 17.94 billion for the year, representing a year-on-year increase of 14.51%.
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