During the Spring Festival, a technology topic continues to heat up - humanoid robots. From the Spring Festival Gala stage to technology forums and capital market discussions, the attention to humanoid robots continues to rise. With the accelerated development of embodied intelligence technology, humanoid robots are gradually moving from the laboratory to real-life application scenarios. At the same time, the demand for risk protection around this emerging industry has also emerged. When robots enter the real world, risk issues are no longer just technical problems, but also financial problems. Recently, the Ministry of Science and Technology and four other departments jointly issued the "Several Opinions on Accelerating the High quality Development of Science and Technology Insurance and Supporting High level Technological Independence and Self improvement", which systematically deployed the development of science and technology insurance from the aspects of improving product system, perfecting risk sharing mechanism, and enhancing service capabilities. The policy sends a clear signal: in the process of promoting high-level technological self-reliance and self-improvement, insurance is gradually becoming an important financial tool to support the innovation system. Technological innovation often comes with high risks. Long R&D cycles, large investment, and uncertain technological routes are common challenges faced by many technology-based enterprises. From laboratory research to industrial application, any problem in any link may lead to difficulty in recovering the initial investment of the enterprise. For example, damage to critical equipment, failure of core experiments, etc., can all bring significant pressure to enterprises. These characteristics are particularly prominent in the technology intensive robotics industry. If there is a lack of effective risk sharing mechanisms, companies tend to be more cautious when making innovation decisions, and even affect the progress of technological breakthroughs. In this context, the importance of technology insurance is increasingly prominent. In recent years, China's technology insurance has gradually expanded from the initial technology loan guarantee insurance to multiple fields such as intellectual property insurance, research and development expense loss insurance, first (set) major technology equipment insurance, and technology achievement transformation insurance, providing risk protection for different stages of technological innovation. However, overall, technology insurance is still in the growth stage, and there is still room for improvement in product system and risk pricing ability. The policies introduced by the four departments this time provide a clearer direction for the development of technology insurance. On the one hand, encourage insurance institutions to develop product systems that cover the entire cycle of technological innovation, so that the research and development stage, achievement transformation stage, and industrialization stage can all receive corresponding guarantees; On the other hand, by improving the risk sharing mechanism, guiding the joint participation of fiscal funds, reinsurance resources, etc., the underwriting pressure of insurance institutions can be reduced and the market participation enthusiasm can be enhanced. The new policy brings new opportunities and higher requirements to the insurance industry. Compared with traditional insurance, technology insurance has more complex and specialized risks. For example, how to evaluate the probability of failure in the development of a cutting-edge technology, and how to price a new device that has not yet been widely applied, both require more professional risk identification and assessment capabilities. Therefore, insurance institutions need to strengthen cooperation with scientific research institutions, technology evaluation institutions, and industrial parks to improve their understanding and judgment ability of technology project risks. Insurance companies also need to shift from simple post compensation to full process risk management when serving technological innovation. In some fields, insurance institutions have begun to participate in enterprise risk management through risk assessment, equipment monitoring, and safety management services, helping companies reduce the probability of accidents. This' risk reduction service 'is becoming an important development direction for technology insurance. The development of technology insurance cannot be separated from multi-party collaboration. Technological innovation often involves multiple entities such as enterprises, research institutions, government departments, and financial institutions. Insurance can collaborate with banks, investment institutions, and other entities to explore comprehensive financial service models and leverage social capital to invest in innovative fields. When a humanoid robot has its own insurance policy, and when a cutting-edge technology research and development can obtain risk protection, insurance provides not only compensation funds, but also institutional support to encourage exploration and share risks. In the process of promoting high-level technological self-reliance and innovation in the robotics industry, technology insurance is expected to play an increasingly important role. (New Society)