Accelerating Trustworthy AI: developing a first-to-market AI System Risk Management Platform for Insurance Product creation

在企业和社会中，算法采用正在迅速扩展。在过去的十年里，英国人工智能公司的数量增长了600%，达到1300家公司，预计到2040年，企业采用人工智能的公司将达到130万(英国政府)。但随着人工智能的发展，人们对大规模采用人工智能潜在后果的担忧也在增加。立法在全球范围内正在加速：英国宣布了其国家人工智能战略，包括“保证生态系统路线图”；而影响深远的欧盟-人工智能-法案和美国的多项干预措施(例如，纽约市人工智能-人力资源‘偏见审计’)正在出现，并已经极大地改变了格局。这一规定是非常必要的。很快，数十亿的算法将在最少的人工干预下做出决策；从自动驾驶汽车和金融，到医疗、就业和法律决策。如果没有针对偏见、错误和其他潜在破坏性和昂贵问题的保护，公司将面临重大损失和潜在罚款。在我们的第一阶段加速值得信赖的人工智能项目之后，整体人工智能(HAI)和更广泛的财团处于理想地位，可以应对这一重大且仍在增长的行业需求，以评估公司的人工智能状况和为潜在损失提供保险。我们坐在人工智能保险和保险服务的交叉点上，这是解决这个问题的关键平衡，我们的团队在等式的两边都有独特的经验。我们目前与联合利华等企业合作，评估他们的多个人工智能项目的偏见和失败，准备在新兴的监管环境中跨国应用。我们现在寻求在我们第一阶段工作的基础上创建一个全面服务的风险管理平台，以满足保险行业的要求。该平台将使保险公司能够快速评估和量化人工智能和数据应用程序内部和外部的潜在风险，为客户提供可靠、准确的保险报价。我们将利用我们现有的评估能力，以及在开发过程中收集的重要数据集、最新数据和行业合作伙伴数据、案例研究和知识来构建定价和评估结构，为算法及其部署提供适当的保险。因此，该项目将创建一个独特和新颖的产品，提供第一个适合基于保险公司的AI评估的面向未来的工具，满足主要的行业需求和成熟的可信AI部署的商业需要。它创造了一个以英国为中心的重大全球市场创新，既回应了围绕人工智能增长和负责任的部署的国家优先事项，也回应了全球对人工智能使用伦理的日益担忧。

Algorithm adoption is rapidly expanding across business and society. The number of AI companies in the UK has grown by 600% over the last ten years to \>1,300 companies, and AI adoption within businesses is predicted to reach 1.3m by 2040 (UK Gov).But as AI grows, so do concerns around potential consequences of mass adoption. Legislation is accelerating globally: The UK has announced its National AI Strategy including the 'assurance ecosystem roadmap'; while the far-reaching EU-AI-Act and multiple US interventions (e.g. New York City AI-HR 'bias audits') are emerging and already dramatically changing the landscape. This regulation is sorely needed. Soon billions of algorithms will make decisions with minimal human intervention; from autonomous vehicles and finance, to medical treatment, employment, and legal decisions. Without protection against bias, errors, and other potentially damaging and costly issues, companies face major losses and potential fines.Following our Phase 1 Accelerating Trustworthy AI project, Holistic AI (HAI) and the wider consortium is ideally positioned to respond to this major and still growing industry need for assessment of companies' AI position and insurance against potential losses. We sit at the intersection between AI assurance and insurance services, a crucial balance for solving of this issue, and our team is uniquely experienced in both sides of the equation. We currently work with enterprise companies like Unilever, evaluating their multiple AI projects for bias and failure, ready for multinational application in the emerging regulatory landscape.We now seek to create a full-service Risk Management Platform, building on our work during Phase 1, to deliver on insurance industry requirements. The platform will enable insurers to rapidly evaluate and quantify potential risk within and from AI and data applications to provide customers with reliable, accurate, insurance quotes. We will leverage our existing assessment capabilities, alongside vital datasets gathered during development to-date and industry partner data, case-studies and knowledge to build a pricing and assessment structure fundamental to enable the appropriate insurance of algorithms and their deployment.This project will therefore create a unique and novel offering providing the first future-proof tools suitable for insurer-based AI assessment, answering a major industry demand and a commercial necessity for the maturity of trusted AI deployment. It creates a significant global market innovation centralised in the UK, answering both national priorities around AI growth and responsible deployment, and growing global concerns around ethical AI usage.