China's first comprehensive risk protection scheme for artificial intelligence applications released at the 2026 Financial Street Forum Annual Meeting

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At the recently concluded 2026 Financial Street Forum Annual Meeting, the country's first comprehensive risk protection plan for artificial intelligence applications was officially released. Through insurance products, it provides coverage respectively for losses caused by AI services to third parties and for the AI provider's own expense losses, filling a gap in China's AI insurance market.

First, buy a dedicated insurance policy

Bai Jingnan, Senior Intelligent Operations Manager at Shenzhen Binglan Intelligent Technology Co., Ltd., said there are mainly two risks: first, the authorized use of voice and content; second, the accuracy and compliance of generated content.

In September this year, the Supreme People's Court issued the "Opinions on the Lawful Trial of Cases Involving Artificial Intelligence Disputes," clarifying key rules: generative AI infringement generally applies fault liability, and "content generated by AI" cannot be used as a defense against liability. In other words, whoever is at fault bears responsibility; one cannot shift the blame with the phrase "the machine did it." Even if a service provider merely provides model capabilities, it may still bear compensation liability if it fails to fulfill its duty of care.

To address such risks, this Shenzhen company has insured its AI voice employees with generative AI content infringement liability insurance, with total coverage exceeding 1 million yuan.

This insurance covers content generated by the insured during the provision of generative AI services due to negligence or oversight—such as text, images, audio, and video—that infringes on the lawful rights and interests of third parties, or misleads third parties, and directly causes personal injury or property loss.

Of course, insurers do not underwrite blindly; they first look at what scenario the AI is used in, what content it generates, and how much data it processes each day, and then set the premium. If a claim does occur, it is not an "automatic full payout"; it depends on whether the company is legally liable and what the contract stipulates.

Repair and refunds have a backstop

"Mo Xiao Jia" is an AI agent used in the agricultural product procurement sector. It integrates scattered industry data and provides price analysis services to buyers and sellers of agricultural products. Many companies in the distribution chain pay to subscribe and connect it to their procurement systems for price inquiries, profit analysis, and procurement price verification. But if the AI's price analysis is off, who bears the customer's loss?

"We do not guarantee the authenticity of the data, so customers dare not use it. But even if we are willing to bear liability, customers are still not reassured. How can customers believe that the service provider will definitely honor its commitments? This is not easy to solve," said Bian Yang, General Manager of Hangzhou Gaoxin Shulian Hutong Technology Co., Ltd., describing the industry's dilemma.

Now there is a new solution—AI application expense loss insurance. Zhang Zefeng, General Manager of PICC Property and Casualty Company's Hangzhou Binjiang Branch, introduced that without insurance, expenses arising from model price verification deviations could only be borne by the operating entity of "Mo Xiao Jia" itself; with insurance, expenses such as repair, refunds, and appraisal are borne by the insurer according to the contract. Before underwriting, the insurer comprehensively assesses risk factors such as model parameters, application scenarios, and actual performance, and applies differentiated pricing.

Such products are mainly aimed at AI large-model R&D companies, AI application developers, smart hardware manufacturers, and AI solution providers. At present, similar insurance products have begun to extend to scenarios such as office agents, language large models, and humanoid robots.

Insurance demand continues to rise

Why is AI insurance worth watching? Data shows that in 2025, the scale of China's AI core industry exceeded 1.2 trillion yuan, and this year's growth rate is expected to exceed 30%. The larger the industry, the stronger the demand for risk protection.

Ao Li, Vice President of the China Academy of Information and Communications Technology, said that as artificial intelligence moves from technology to industry, it requires deep participation by insurance. He called on insurance institutions, research institutes, and technology companies to jointly build an ecosystem, advance the collection and sharing of assessment data and the development of assessment safety standards, build a foundation of risk and loss data, and develop testing and continuous monitoring capabilities for new types of insurance covering agents and other areas.

(Source: CCTV Finance) Middle of the body Embedded advertisement