Socially Responsible Insurance in the Age of Artificial Intelligence

该项目旨在发现在保险中使用人工智能的社会成本和效益，并设计实用的干预措施-负责任的设计研讨会，实用指导，监管建议，新的算法工具-在降低成本的同时实现效益。它希望利用哲学，法律和社会学产生新的知识，与在保险中部署人工智能的最前沿的从业者密切合作。预期成果包括基于人工智能的新道德方法来进行产品设计，定价和索赔管理。这应该有利于保险公司和消费者，实现人工智能带来的效率提升，而不会对隐私、公平和不负责任的权力行使造成不可接受的成本。

This project aims to discover the social costs and benefits of using Artificial Intelligence in insurance, and to design practical interventions—responsible design workshops, practical guidance, regulatory proposals, new algorithmic tools—that realise the benefits while mitigating the costs. It expects to generate new knowledge drawing on philosophy, law and sociology, working closely with practitioners at the forefront of deploying AI in insurance. Expected outcomes include novel ethical AI-based approaches to product design, pricing and claims administration. This should benefit insurers and consumers, realising efficiency gains made possible by AI, without unacceptable costs to privacy, fairness, and the unaccountable exercise of power.