China's First Comprehensive AI Application Risk Protection Plan Released

At the 2026 Financial Street Forum Annual Meeting, China's first comprehensive artificial intelligence application risk protection plan was officially released, separately covering losses caused by AI services to third parties and the AI provider's own expense losses. The plan covers situations in generative AI services where negligence or oversight leads to content infringement or misleading content that causes personal injury or property damage. Before underwriting, it conducts a comprehensive assessment of risk factors such as model parameters, application scenarios, and actual performance and applies differentiated pricing. It primarily targets AI large-model R&D enterprises, application developers, smart hardware manufacturers, and solution providers. Previously, an opinion released by the Supreme People's Court in September this year clarified that generative AI infringement generally applies fault liability, and that content being generated by AI cannot serve as a defense against liability.