As for the subject’s question, after thinking about it, I still don’t understand what patent insurance is intended to protect. As an intellectual property practitioner rather than a financial person, the only patent insurance content I can think of is infringement insurance. Patents are different from car insurance or personal insurance. The essence of patents is individuals that exist based on legal protection. Once legal protection is lost, patents become a false concept. Patent infringement is illegal in a sense, and infringement losses can be directly protected by law.
We assume that a patent is a person. Taking an invention patent as an example, his life trajectory is as follows: the inventor's journey from conception to completion of the patent document is similar to the union of male and female PP to sperm and egg; application form Submission to the State Intellectual Property Office and acceptance by the State Intellectual Property Office signifies that the fertilized egg has officially landed on the uterine wall; after that comes the long ten months of pregnancy, preliminary review, practical review, and corrections, during which accidents such as miscarriage (unqualified patents) may also occur. ), after two years of careful care and repeated corrections, a baby was born (a patent authorization certificate was issued).
The difference between a patent and a human being is that as long as the patent is born and eats (annual fee), he can live in good health until he dies. And there were no surprises. If there is one, there is only one: Wang Ergou next door didn’t like my son, so he came over and slashed his neck. My son was healthy and running around, nothing happened. I picked up my son and went to the court, and the court sentenced Wang Ergou compensated me 50,000 yuan. My son is still my son, but Wang Ergou is no longer Wang Ergou. Not only did he lose 50,000 yuan, but the villagers also walked around him and pointed at him. Not only were the villagers not afraid of him, they even put their son on the road at the door and almost shouted: "Er Gou!" My son is not bad, come and chop him up." So Ergou bought my son for 200,000 yuan and chopped it up. After a long time of chopping, he found that my son had become his son, so he stopped chopping him up.
The essence of insurance is a means of risk management. When patent infringement occurs on a regular basis and the patent protection system becomes increasingly clear, does patent insurance seem to be more beneficial to the insurance company than it is worth the loss?