Computing power tailored for embodied AI security protection rolls out; insurance companies seize the new tech track

Against the backdrop of a new round of technological revolution and industrial transformation accelerating breakthroughs, technology insurance is moving from isolated innovation to system-wide support. On July 6, a Beijing Business Today reporter noted that insurance companies have been making continuous new breakthroughs in technology insurance in recent days. Many “first-in-kind” and “first-time” innovative products have been rolled out one after another, accelerating efforts to seize new tracks and demonstrating the vigor of the insurance industry in serving technological innovation. With policy support and rapid responses from institutions, technology insurance has entered a period of rapid development. However, in emerging fields, risks lack historical claims data accumulation, and technology insurance still has shortcomings in risk assessment, precise pricing, and professional talent, among other areas. Insurers also need to overcome numerous challenges.

A Dense Wave of New-Track Products Comes to Market

Recently, marked technology insurance products have been rolled out in multiple regions one after another, precisely matching differentiated risk needs across different cutting-edge innovation sectors and filling protection gaps in multiple sub-segments.

In Shanghai, on July 2, Taiping Property Insurance’s Shanghai branch and Tongji University Shanghai Tongji Science Park Incubator Co., Ltd. formally signed technology achievement conversion expense loss insurance. This is also the first such incubator-type achievement conversion expense loss insurance in the Shanghai area. In Shaanxi, on July recently, People’s Insurance of China Property and Casualty Company officially released the industry’s first compute-power-exclusive insurance product “ComputePower Bao,” and completed a first-order signing with Shaanxi Provincial Big Data Group. In Anhui, the embodied intelligence robot comprehensive insurance “An Xian Xing” was officially launched in Hefei recently, and the first policy of the insurance product has also been implemented.

Industry data show that in 2025, China’s technology insurance provided insurance protection of about 8 trillion yuan for technological innovation, with technology insurance premiums growing year-on-year by 44%, far exceeding the industry average level. It can be said that against the backdrop of slowing growth in traditional property and casualty insurance business, technology insurance is becoming a new track for the insurance industry to transform and upgrade, and major insurers are also accelerating their deployments to lock in first-mover positions in advance. In this regard, angel investor and senior artificial intelligence expert Guo Tao analyzed that first policies have a branding and publicity effect, enabling a rapid establishment of a professional image in a specific segment and seizing the commanding height of market recognition. At the same time, by accumulating hands-on experience through first policies, they can pave the way for later product iteration and large-scale promotion; in fields where data is scarce, they can form a case database first. In addition, they can bind high-quality tech and innovation customers and industrial-chain resources. Technology insurance often serves as an entry point into a tech innovation ecosystem and can be extended to other insurance needs of enterprises.

Guo Tao further analyzed that technology insurance is currently at a critical stage of transitioning from “policy-guided pilot programs” to “market-driven scale.” Previously, it was mainly made up of scattered pilots supported by policies. Now insurers are accelerating deployment across sub-segments, and products are extending from single insurance lines to full-chain protection. However, overall it still remains in a cultivation stage, with low penetration.

Need to Embed Risk Reduction Into the DNA of Tech Innovation

Technology insurance precisely matches the policy direction of “high-level technological self-reliance and self-improvement,” and it is receiving increasing policy support.

In February this year, the National Financial Regulatory Administration and other departments jointly issued the “Several Opinions on Accelerating the High-Quality Development of Technology Insurance and Strongly Supporting High-Level Technological Self-Reliance and Self-Improvement,” requiring the establishment of an insurance product and service system covering the full chain and full cycle of technology innovation, and increasing support for major national technology missions and tech-based small and medium-sized enterprises. In June this year, Ding Xiangqun, Party Secretary and Director of the National Financial Regulatory Administration, at the 2026 Lujiazui Forum proposed to “continue to improve the full-cycle technology finance service system, strengthen financing support and insurance protection, and promote the better aggregation of financial resources into emerging industries and future industries.”

Although top-level design support is coming frequently, emerging-field risks lack historical claims data accumulation. Technology insurance still has shortcomings in risk assessment, precise pricing, and professional talent. Therefore, during the transition of technology insurance to high-quality development, it still faces common challenges of “going from 0 to 1.” For example, emerging fields such as artificial intelligence and future industries lack data support, while the core logic of insurance pricing relies precisely on the law of large numbers and actuarial models, making traditional methods difficult to apply directly.

To address industry development pain points, Guo Tao proposed that the insurance industry should make efforts in two major dimensions—building underwriting capability and providing end-to-end risk reduction services—so as to systematically break through and comprehensively enhance its professional ability to serve tech innovation industries.

Guo Tao said that in terms of data construction, insurers need to work with research institutions and industry associations to build risk databases, accumulating accident cases and loss data in tech innovation fields. In actuarial models, they should introduce AI technology to optimize risk assessment and develop dynamic pricing models by combining non-traditional data. In risk control teams, they should cultivate compound talents who understand technology and insurance, and recruit engineers and technical experts to participate in underwriting. In risk-spreading mechanisms, they can share large risks through reinsurance and co-insurance, and explore risk securitization tools for connecting with capital markets.

In the long run, insurers also need to shift from being mere “risk bearers who pay when something goes wrong” to becoming proactive “risk managers” who manage and reduce risk. In this regard, Guo Tao suggested that insurers should provide proactive risk reduction services to customers, and these services must be embedded into the full process of tech innovation. In the R&D stage, they should provide risk assessment reports to flag potential risks such as experimental equipment and intellectual property. In the transformation stage, they should help enterprises establish compliant processes—for example, designing risk control nodes for technology achievement conversion projects. In the operation stage, they should conduct regular risk inspections—for example, providing hardware maintenance suggestions for compute-power centers, and setting safe operating guidelines for robot companies. In addition, they can work with third-party institutions to provide training services to improve risk awareness among tech innovation enterprises, and even participate in developing industry safety standards, thereby reducing the probability of risk occurrence from the source.

Beijing Business Today reporter Li Xiumei

(Editor: Qian Xiaorui)

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