Qingtian Rent and PICC P&C completed the first batch of embodied intelligent robot insurance claims in China, with over 1,000 robots insured and coverage exceeding RMB 200 million, establishing a complete closed loop from underwriting to claims.
On April 24, Qingtianzu announced that it had partnered with the People's Insurance Company of China (hereinafter referred to as "PICC") to complete the first batch of embodied intelligent robot insurance claims in China. To date, more than 1,000 robots have been insured on the platform, with cumulative coverage exceeding RMB 200 million. The settlement of this first batch of claims also marks a shift for embodied intelligent robot insurance, moving beyond product design and policy underwriting into claim verification in real-world operating scenarios.
According to the relevant business leader at PICC, this case is among the first batch of embodied intelligent robot insurance claims to be fully paid out in China. For the embodied intelligence industry, which is still in the early stages of large-scale commercial deployment, the completion of this claim means that robot insurance is no longer limited to product design and policy issuance. Instead, it has established a complete closed loop spanning policy purchase, operation, incident reporting, survey, loss assessment, and indemnity payment.
This also signals that embodied intelligent robots are beginning to benefit from more mature risk protection mechanisms in the course of leasing, operation, and cross-scenario transfer.
The partnership between Qingtianzu and PICC began in December 2025. Drawing on the actual operational characteristics of robot leasing scenarios, the two parties jointly launched a comprehensive embodied intelligent robot insurance product covering "robot body damage + third-party liability." The product has been filed with regulators in accordance with insurance product oversight requirements.
Unlike traditional equipment insurance, this product is specifically designed for embodied intelligent robots, taking into account their high value, high-frequency use, cross-scenario transfer, and intensive human-robot interaction. Its coverage includes not only traditional risks such as natural disasters, fire and explosion, accidental collision, overturning and falling, operational errors, and electrical faults, but also extends to cybersecurity incidents, covering malicious software attacks, hacker activity, denial-of-service attacks, and unauthorized use or access.
At the same time, third-party liability coverage focuses on liability risks arising from robot operation and use, providing stronger protection for robots deployed in open scenarios such as commercial marketing, cultural tourism and entertainment, education and research programs, and corporate reception.
According to Qingtianzu, the platform now has more than 1,000 robots insured under the embodied intelligent robot insurance policy, with cumulative coverage exceeding RMB 200 million. The platform purchases insurance on an annual basis per robot, with single-unit premiums typically in the thousands of yuan. Different models are matched with different premium rates based on equipment value, usage scenarios, and risk levels.
Notably, this insurance product does not specify a fixed location of use. As long as robots operate within compliant scenarios in mainland China, excluding Hong Kong, Macao, and Taiwan, they are covered under the policy. This design better aligns with the operational characteristics of robot leasing—spanning multiple regions, scenarios, and customers—and provides a foundational safeguard for robots moving from single-point delivery to large-scale operations.
In terms of the claims process, Qingtianzu and PICC have established a standardized response mechanism. After a robot incident occurs, the insured party can file a claim via the hotline, and a claims specialist will respond within 30 minutes. Insurance company adjusters then coordinate with the robot manufacturer to conduct on-site survey, repair quotation, and loss assessment. Once all required documents are complete and the claim amount is confirmed, the insurance company will make payment within 7 business days.
PICC stated that in the current stage, where a fully mature third-party evaluation and repair organization system for embodied intelligent robots has yet to be established, having insurance companies work in coordination with manufacturers to confirm losses is one of the key approaches to robot insurance loss assessment. Manufacturers are more familiar with robot structures, core components, repair standards, and technical wear, which improves assessment efficiency and also helps drive the industry toward more replicable claims standards.
For Qingtianzu, comprehensive insurance coverage is not merely a risk control measure but an integral part of the platform's operational system.
Qingtianzu CEO Li Yiyan said: "Embodied intelligence insurance is a prerequisite for the viability of the robot leasing business model. For Qingtianzu, every robot on the platform must be included in the insurance and risk control system. Insurance is not just a simple policy—it is an industry-wide foundational mechanism that connects insurance companies, robot manufacturers, service providers, partners, and end customers."