Artificial intelligence and its products, due to their novelty and unique features and capabilities, can cause risks and dangers. Therefore, lawyers are trying to regulate and regulate policies and coverage related to the specific risks of artificial intelligence. In this regard, European and European legal structures have foreseen well-known legal structures, but the manufacturer has not achieved a mechanism to guarantee the damages caused by artificial intelligence.
This article, using a descriptive-analytical approach, proposes an insurance institution as a solution to guarantee the interests of users of artificial intelligence in order to protect the insured against its economic consequences, risks, and possible harmful damages. The components of the insurance mechanism for losses caused by artificial intelligence include: adapting the insurance contract to the characteristics of artificial intelligence, entrusting specific elements of artificial intelligence insurance policies to insurance companies, classifying liability and the risks arising from it and insuring based on this classification, creating the necessary infrastructure with government supervision, and mandatory insurance of major artificial intelligence-based products.