把事故翻译成保单：真正昂贵的是理赔灰区AI风险不是一个新险种，而是把多个传统险种的触发边界搅在一起。这也是为什么企业会同时看到两个看似矛盾的现象：一方面觉得我买了网络险或责任险就够了；另一方面承保人却越来越倾向于用更硬的条款把AI相关风险切出去，或要求加买独立附加险。问题不在AI是否危险，而在它让很多损失同时落在多张保单的边界线上，而保险最怕边界不清。
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