With the increasingly prominent position of intelligent warehousing in the modern logistics system, issues related to its cargo safety responsibility and insurance legal model have gradually attracted attention. This paper focuses on the optimization of cargo safety liability and insurance legal model under the intelligent warehousing environment. By analyzing the basic theory of intelligent warehousing, this paper deeply discusses the loopholes in the current legal norms of cargo safety liability, the practical difficulties of insurance legal model and the challenges brought by technological development. In this paper, theoretical analysis and other methods are used to put forward the optimization path: to improve the legal system of cargo safety responsibility in intelligent warehousing, including defining the subject of responsibility, dividing the proportion of responsibility and establishing a traceability mechanism; Innovating insurance legal model, including launching customized products, scientifically determining rates and improving reinsurance mechanism; A coordinated development mechanism should be built to strengthen industry communication and cooperation. These optimization measures will effectively solve the problems existing in the current model, promote the coordinated development of the intelligent warehousing industry and the insurance industry, and provide a solid legal guarantee for the healthy development of the intelligent warehousing industry.

Mo Haipeng, Xiao Shurui, Tan Anqiong, Wu Xiaodong. Optimization of Cargo Safety Liability and Insurance Legal Model under Intelligent Warehousing Environment. Academic Journal of Business & Management (2025), Vol. 7, Issue 11: 97-102. https://doi.org/10.25236/AJBM.2025.071114.

[1] Liu Runchuan. Research on Risks and Regulation of Intelligent Logistics Distribution[J]. Logistics Technology, 2023, 46(04): 33-35. DOI: 10.13714/j.cnki.1002-3100.2023.04.010.

[2] Dong Biao. Discussion on the Liability Insurance System in the Era of Artificial Intelligence[J]. Journal of Guangxi Administrative Cadre Institute of Politics and Law, 2020, 35(06): 38-42.

[3] Wang Xiangyang. Definition of Legal Liability in Third-Party Logistics Warehousing[J]. Logistics Technology, 2012, 31(15): 180-182.

[4] Li Weiqun, Shen Zhikang. Research on Legal Issues of Carriers Insuring Cargo Transportation Insurance[J]. Shanghai Insurance, 2019, (04): 19-22.

[5] Wu Haitao, Liu Yue. Evolutionary Game Study on Safety Supervision of Dangerous Goods Road Transportation from the Perspective of Blockchain Empowerment[J]. Journal of Safety and Environment, 2024, 24(5): 1894-1903. DOI: 10.13637/j.issn.1009-6094.2023.1108.

[6] Zhou Jing, Li Shuangxi. Research on the Assessment of Food Security Responsibility System[J]. Cereals & Oils, 2022, 35(8): 159-162.

[7] Li Jing, Cai Zhongjie, Ren Yuan, et al. Application of Improved HFACS-MI Model in Human Factor Analysis of Hazardous Chemical Storage Accidents[J]. Journal of Safety and Environment, 2024, 24(03): 1052-1060. DOI: 10.13637/j.issn.1009-6094.2023.0214.

[8] Feng Fenling, Zhan Yinchen, Liu Chengguang, et al. Collaborative Pricing Strategy for Railway Insured Transport and Cargo Insurance Under Multi-Agent Game[J]. Journal of Railway Science and Engineering, 2024, 21(11): 4467-4477. DOI: 10.19713/j.cnki.43-1423/u.T20240249.

[9] Wang Wei, Liu Xiaoya, Lu Juhua, et al. Evolutionary Game Analysis of Safety Supervision for Hazardous Chemicals Storage Under the "Digital Centralized Warehouse" Model[J]. Journal of Safety Science and Technology, 2023, 19(1): 156-161. DOI: 10.11731/j.issn.1673-193x.2023.01.023.