- New policy combines hardware, liability and cyber coverage as embodied robots enter commercial deployment at scale
- Partnership with Wangxing Robot reflects growing demand for risk protection amid rising robot-related safety incidents
China Pacific Insurance Company (CPIC) has launched China’s first comprehensive insurance product covering the full lifecycle of embodied robots, expanding protection beyond hardware damage to include cyber risks and third-party liabilities.
The rollout comes as humanoid robots increasingly move into real-world commercial applications, exposing operators to a broader range of heightened risks.
However, traditional robot insurance policies that cover only hardware failures are falling short of the industry’s evolving needs.
6S full coverage
In response, CPIC’s property arm signed a strategic cooperation agreement with Hangzhou-based Wangxing Robot (杭州汪星人科技), a robot integrator, to introduce the “6S Full-Lifecycle” embodied robot insurance package, which combines property, liability and cybersecurity coverage under a single policy.
The new policy covers damage caused by natural disasters, accidents, product defects and operator error.
It also provides liability coverage for third-party bodily injury and property damage arising during robot operation and insures against financial losses caused by cybersecurity incidents.
Demand for broader insurance protection has increased following a series of robot-related accidents.
Growing safety concerns
In one widely reported incident on June 1, 2026, a Unitree (宇树科技) G1 humanoid robot performing a martial arts demonstration at an amusement park in Urumqi, capital of Xinjiang Uyghur Autonomous Region accidentally kicked a young child in the abdomen during a side-kick maneuver.
This episode highlighted safety concerns surrounding public deployment of humanoid robots and drew criticisms of operators’ inadequate handling of such risks.
The partnership also introduces a “6S” lifecycle service framework covering Sales, Service, Spare Parts, Support, Standardization and Customer Satisfaction, integrating insurance, maintenance and operational services throughout a robot’s deployment.
Complete risk management
Under the agreement, CPIC’s Zhejiang branch will provide insurance product design, risk assessment, claims handling, replacement compensation, cybersecurity risk management and operational supervision.
Wangxing Robot will supply equipment maintenance, spare parts, residual asset valuation, technical support and industry operating standards.
The companies said the integrated framework establishes a complete risk management system spanning prevention, emergency response and post-incident claims while addressing both physical maintenance and cyber threats.
Varied insurance products
Wang Yaofeng, a director at CPIC’s Zhejiang branch, said embodied intelligence has been identified as a strategic emerging industry in China’s 2026 government work report and the country’s 15th Five-Year Plan period (2026-2030).
As the sector rapidly gains momentum, regulators are encouraging the development of dedicated insurance mechanisms to support its growth, Wang explained.
He added the insurer will continue expanding its offerings to advance the commercialization of embodied robotics through end-to-end risk coverage.
