给AI、低空经济 “上保险” 有多难？三大痛有待破解

Core Viewpoint - The article discusses the emergence of various innovative technology insurance products in China, highlighting their role in mitigating risks associated with technological innovation and encouraging entrepreneurship in high-risk sectors [1][3]. Group 1: Technology Insurance Overview - Technology insurance provides risk coverage and financial support for technology research, results transformation, and industrial promotion, categorized into activity insurance and entity insurance [3]. - The development of technology insurance in China spans over 30 years, offering substantial risk coverage to thousands of enterprises, with a focus on different industrial stages [3]. Group 2: Policy Support and Development - Recent policies have intensified support for technology insurance, with goals set for expansion, quality improvement, and efficiency enhancement over the next five years [4]. - Local governments, including Beijing, Shanghai, and Shenzhen, have introduced policies to boost technology insurance, fostering innovation and development in their regions [5]. Group 3: Challenges in New Technology Insurance - New fields like AI and low-altitude economy face challenges due to a lack of historical loss data, complicating accurate pricing and risk assessment for insurance companies [4][11]. - The article identifies three main challenges: pricing difficulties due to rapid technological changes, complex liability attribution in accidents, and the evolving nature of loss assessment in AI industries [11][12]. Group 4: Innovative Insurance Products - Recent innovations include specialized insurance products for low-altitude aircraft and generative AI content liability, reflecting the insurance industry's adaptation to emerging technologies [1][7]. - Companies are developing comprehensive insurance solutions for AI applications, covering hardware, operational interruptions, and data security [8]. Group 5: Recommendations for Improvement - Experts suggest a multi-faceted approach to address the challenges in technology insurance, including government-led top-level design, expert collaboration, and data sharing initiatives [12][13]. - The establishment of a dynamic risk management system for AI is recommended to transition from traditional compensation models to proactive risk assessment and mitigation [12].