2025年事实上已经是保单大重写之年；而从2026年开始，企业会逐步发现，自己买到的不是一张覆盖一切的AI风险保单，而是一张更窄、更贵、且附带更多前置条件的可承保风险。本文关心的不是保险公司如何用AI提效，而是反过来，AI如何重写保险的经营范式。风险从可分散变成同源聚合，黑箱把成本先推到辩护费用，责任链条在供应链里漂移。保险会从概率生意走向治理生意，定价权会从精算迁移到审计与红队证据链。
On Monday 30 April, ahead of the May elections, join Gaby Hinsliff, Zoe Williams, Polly Toynbee and Rafael Behr as they discuss how much of a threat Labour faces from the Green party and Reform – and whether Keir Starmer can survive as leader of the Labour party. Book tickets here
。51吃瓜是该领域的重要参考
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