为人工智能投保：保险如何支持人工智能发展.pdf

1、INSURING AI:THE ROLE OF INSURANCE IN ARTIFICIAL INTELLIGENCE REGULATIONAnat LiorResident Fellow with the Information Society Project(ISP),Yale Law School AI Schmidt Visiting Scholar and Lecturer in Global Affairs,Jackson School,Yale UniversityIncoming Associate Professor Drexel Law School(fall 2023)

2、SITUATING AI GOVERNANCE AI as a technology has been in development since the 1950s.AI liability discussion only took off starting 2012.AI Governance attempts only during the last couple of years.Limited discussion about insuring AI as a part of AI governance.The black-box issue.CONTEXT AND RELEVANCE

3、 The emergent technology of AI and our commercial market.So far,only a discussion about the appropriate liability regime and other ex-ante mechanisms.Insurance can enhance our ability to facilitate the integration of AI into commerce,as well as address the harms this process entails.INTRODUCTORY REM

4、ARKSThe Problem with AIs Insurability lack of data and the black-box issue.Insurance and Technology from the industrial revolution to cyberspace(forthcoming article).Existing Suggestions for Insuring AI AV focused.DISADVANTAGES OF INSURING AI Moral hazards.Cost allocation and premium estimation.Know

5、n-unknowns and terrorism insurance.The feasibility of AI insurance-calculation,distribution and profitability.Exceptions and exclusions.ADVANTAGES OF INSURING AI Behavior channeling mechanism.Risk-based pricing,insurance underwriting,contract design,claims management,loss prevention service.Implemen

6、ting private safety codes,research and education,and engagement with public regulation.Liability and predictability.Facilitating the safe integration of innovation into our commercial market.INSURING AI AND AI GOVERNANCEBuild upon existing