CPIC P&C Issues China's First Embodied AI Component Insurance for Dexterous Hands

Core components such as dexterous hands have long lacked a corresponding product in the insurance system. On September 11, China Pacific Property Insurance (CPIC P&C) Beijing Branch and Beijing Daqi Yuequan Bionic Technology signed a cooperation agreement at the 2026 China International Fair for Trade in Services (CIFTIS) covering embodied-AI key components — specifically dexterous hands — and formally submitted the policy.

It is the first insurance policy of its kind officially issued in China. Coverage spans accidental incidents and natural disasters during storage and use, design, installation and material defects, and equipment losses caused by operator error.

The product also covers third-party bodily injury and property damage arising from use of the equipment.

The policy insures components, but the problem it addresses is hesitation to adopt them. This is not CPIC P&C's first move in the embodied-AI sector; the insurer has previously launched products such as embodied robot application liability insurance, stating that its aim is to solve the industry's reluctance to use robots, fear of breaking them, and inability to afford compensation.

This time the insured subject extends from whole-machine liability to the key component itself, targeting a different practical problem. Dexterous hands are among the highest-cost and highest-precision parts of a humanoid robot, and they carry long repair cycles once damaged. When OEMs and end users buy them, they care not only about price and performance but about what happens if a hand breaks, how much a repair costs and how long the machine stays down.

With insurance in place, equipment losses and third-party liability both have corresponding risk coverage, which lowers the decision threshold for buyers. A representative of Beijing Daqi Yuequan Bionic Technology said the cooperation builds a risk barrier for the company's core components and strengthens its confidence in the embodied-AI sector.

Insurance products follow industrial maturity. A risk class can only be launched when risks are assessable, loss probabilities calculable and claims data accumulable. The fact that this first policy has been signed now suggests that a cohort of companies is already using such components in practice, and that usage scenarios and failure modes are beginning to generate data.

CPIC P&C has been expanding steadily across intelligent equipment, artificial intelligence and high-end manufacturing risk scenarios. It positions the CIFTIS launch as professional, customized insurance solutions that build risk barriers around companies' core assets.

From an industry perspective, the emergence of such a product is a signal: key embodied-AI components have moved from the laboratory and demonstration stage to a procurement and use stage in which companies pay real money for coverage. What comes next is whether the policy's premiums and claims terms can match real failure data, and whether joint modules, force sensors and reducers will follow dexterous hands in getting insurance products of their own.