Artificial Intelligence (AI) has received an increasing amount of attention in multiple areas. The uncertainties and risks in AI-powered systems have created reluctance in their wild adoption. As an economic solution to compensate for potential damages, AI liability insurance is a promising market to enhance the integration of AI into daily life. In this work, we use an AI-powered E-diagnosis system as an example to study AI liability insurance. We provide a quantitative risk assessment model with evidence-based numerical analysis. We discuss the insurability criteria for AI technologies and suggest necessary adjustments to accommodate the features of AI products. We show that AI liability insurance can act as a regulatory mechanism to incentivize compliant behaviors and serve as a certificate of high-quality AI systems. Furthermore, we suggest premium adjustment to reflect the dynamic evolution of the inherent uncertainty in AI. Moral hazard problems are discussed and suggestions for AI liability insurance are provided.

翻译：人工智能（AI）在多个领域受到越来越多的关注。然而，AI赋能系统的不确定性与风险导致其在广泛采用时存在阻力。作为补偿潜在损害的经济解决方案，AI责任保险是一个有望促进AI融入日常生活的市场。本文以AI辅助电子诊断系统为例研究AI责任保险。我们提出了一个结合循证数值分析的量化风险评估模型，讨论了AI技术的可保性标准，并建议进行必要调整以适应AI产品的特性。研究表明，AI责任保险可作为激励合规行为的监管机制，并充当高质量AI系统的认证凭证。此外，我们建议通过保费调整来反映AI固有不确定性的动态演变。最后探讨了道德风险问题，并为AI责任保险提出了相关建议。