内容来源：https://techcrunch.com/2025/11/23/ai-is-too-risky-to-insure-say-people-whose-job-is-insuring-risk/

内容总结：

人工智能（AI）技术正面临保险困局：当企业争相布局AI领域时，多家国际保险巨头却开始规避相关风险。据《金融时报》披露，美国国际集团、大美保险等机构已向监管申请在企业保单中增设AI责任除外条款。承保人直言AI模型如同“黑箱”，其决策逻辑难以追溯。

行业担忧已获现实印证：今年三月谷歌AI概述功能错误指控太阳能公司涉嫌违法，引发1.1亿美元天价诉讼；加拿大航空被迫履行聊天机器人擅自承诺的折扣；更有诈骗团伙通过深度伪造技术，在视频会议中冒充高管从英国奥雅纳工程咨询公司骗走2500万美元。

保险业真正的忧虑并非单次巨额赔付，而是系统性风险——当普及型AI模型出现失误时，可能触发海量连锁索赔。怡安保险高管比喻道，保险公司能承担单家企业4亿美元损失，却无法应对AI事故同时引发上万起索赔的灾难性场景。

中文翻译：

当所有人争相采用的软件变得风险过高、无人敢承保时，会发生什么？据英国《金融时报》报道，我们即将目睹这一局面。

包括美国国际集团、大美保险和WR伯克利在内的多家主要保险机构，正在向美国监管机构申请许可，将人工智能相关责任排除在企业保单承保范围之外。一位核保人向该报描述称，人工智能模型的输出结果"完全是个黑箱"。

报道指出，保险业的担忧并非空穴来风。今年三月，谷歌AI概述功能错误指控一家太阳能公司存在法律纠纷，引发1.1亿美元索赔诉讼；去年加拿大航空因旗下聊天机器人擅自承诺折扣而被迫履约；诈骗犯更是通过深度伪造高管形象，在视频会议中从伦敦奥雅纳工程咨询公司骗走2500万美元——整个过程逼真得无懈可击。

真正令保险公司恐惧的并非单笔巨额赔付，而是当广泛应用的AI模型失控时，数千起索赔同时爆发的系统性风险。正如怡安保险高管所言：承保方能承担某家企业4亿美元的损失，却无法应对智能体故障同时引发上万起索赔的灾难性局面。

英文来源：

What happens when the software that everyone’s racing to adopt becomes too risky for anyone to insure? According to reporting from the Financial Times, we’re about to find out.
Major insurers including AIG, Great American, and WR Berkley are asking U.S. regulators for permission to exclude AI-related liabilities from corporate policies. One underwriter describes the AI models’ outputs to the FT as “too much of a black box.”
The industry has good reason to be spooked, the story reminds us. Google’s AI Overview falsely accused a solar company of legal troubles, triggering a $110 million lawsuit back in March. Air Canada last year got stuck honoring a discount its chatbot invented. And fraudsters last year used a digitally cloned version of a senior executive to steal $25 million from the London-based design engineering firm Arup during a video call that seemed entirely real.
What really terrifies insurers isn’t one massive payout; it’s the systemic risk of thousands of simultaneous claims when a widely used AI model steps in it. As one Aon executive put it, insurers can handle a $400 million loss to one company. What they can’t handle is an agentic AI mishap that triggers 10,000 losses at once.