China's First Comprehensive AI Application Risk Protection Plan Released
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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.
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China's first AI application risk protection plan has been implemented; readers can learn how coverage scope and differentiated pricing define liability for AI services.
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2026-10-26 07:21 IT之家 - 沁沧（实习）
感谢IT之家网友 软媒新友2481472 的线索投递！
IT之家 10 月 26 日消息，据央视财经报道，在近期结束的 2026 金融街论坛年会上，全国首个人工智能应用风险综合保障方案正式发布。通过保险产品分别对人工智能服务给第三方造成的损失，和人工智能供应方自身费用损失进行保障，填补国内 AI 保险市场空白。
IT之家注意到，AI 正在接管越来越多的事情：打电话、做客服、分析农产品价格、写文案剪视频。可一旦它“说错话”侵权，或者“算错账”造成损失，谁来负责？
今年 9 月，最高人民法院发布《关于依法审理涉人工智能纠纷案件的意见》，明确了关键规则：生成式 AI 侵权一般适用过错责任，“内容由 AI 生成”不能作为免责抗辩。也就是说谁有过错谁担责，不能用一句“这是机器干的”甩锅，服务方哪怕只是提供了模型能力，如果没尽到注意义务，也可能要承担赔偿责任。
据介绍，这类保险保障的是被保险人在提供生成式人工智能服务过程中，因过失或疏忽导致生成的内容，比如文本、图片、音频、视频等，侵犯了第三方合法权益，或对第三方造成误导，并直接导致人身伤亡或财产损失。
当然，保险公司不是闭眼承保，而是会先看 AI 用在什么场景、生成什么内容、每天处理多少数据，再定保费。真出事了也不是“自动全赔”，得看企业依法该不该担责、合同怎么约定。
承保前，保险公司会针对模型参数、应用场景、实际性能等风险因子综合评估，实行差异化定价。这类产品主要面向 AI 大模型研发企业、AI 应用开发商、智能硬件制造商及 AI 解决方案提供商。目前，同类保险产品已经开始向办公智能体、语言大模型、人形机器人等场景延伸。