【摘要】 具身智能因其与物理环境的深度融合与实时交互能力,在创造应用价值的同时,也显著提升了引发实体损害的风险。在解决具身智能致损责任认定的问题上,传统的侵权责任规则或产品责任规则均存在适用障碍。保险工具能够满足研发主体的避险需求,通过风险社会化分散与定价激励,为具身智能技术的负责任创新提供外部保障。具身智能致损风险的可保性有赖于智能产品的迭代发展,以及政府在投保人和保险人互信关系建立中的协调作用。具身智能保险产品应以强制第三者责任险为主要险种,在合同条款中实施差异化保费机制,并在事故处置阶段建立标准化理赔流程,从而主动嵌入技术演进与产业治理进程,为具身智能的规模化应用提供制度保障。更多还原

【Abstract】 Embodied artificial intelligence,due to its profound integration and real-time interaction with the physical environment,not only generates application value but also significantly increases the risk of causing tangible harm.When determining liability for such harm,both traditional tort liability rules and product liability rules face applicability challenges.Insurance tools can meet the risk-aversion needs of developers by enabling socialized risk dispersion and providing pricing incentives,thereby offering external safeguards for the responsible innovation of embodied artificial intelligence technology.The insurability of risks related to the harm caused by embodied artificial intelligence depends on the iterative development of intelligent products and the coordinating role of the government in building trust between policyholders and insurers.Embodied artificial intelligence insurance products should prioritize compulsory third-party liability insurance,implement a differential premium mechanism in policy terms,and establish standardized claims settlement procedures during the accident response phase.Through these measures,insurance can actively integrate into the processes of technological evolution and industrial governance,providing institutional support for the large-scale application of embodied artificial intelligence.更多还原