I think the insurance industry is will take a simpler route: humans will be held 100% responsible. Any decisions made by the ai will be the responsibility of the human instructing that ai. Always.
I think this will act as a brake on the agentic shift as a whole.
This is how it works for things decided by algorithm right now, and it has done absolutely nothing to stymie companies making decisions by algorithm and simply making sure you sign away your right to sue before you interact with them.
They just are not going to provide insurance to companies who use AI because the liability costs are not worth it to them since they cannot actual calculate risks, it is already happening [0]. Its the one thing that a lot of the evangelists of using AI for entire products have come to realize or they aren't actually dealing with B2B scenarios where indemnity comes into play. That or they are lying to insurance companies and their customers, which is a... choice.
I think the insurance industry is will take a simpler route: humans will be held 100% responsible. Any decisions made by the ai will be the responsibility of the human instructing that ai. Always.
I think this will act as a brake on the agentic shift as a whole.
This is how it works for things decided by algorithm right now, and it has done absolutely nothing to stymie companies making decisions by algorithm and simply making sure you sign away your right to sue before you interact with them.
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Yes, that is why I strongly support sticking to 100% human responsibility for “black-box” errors.
They just are not going to provide insurance to companies who use AI because the liability costs are not worth it to them since they cannot actual calculate risks, it is already happening [0]. Its the one thing that a lot of the evangelists of using AI for entire products have come to realize or they aren't actually dealing with B2B scenarios where indemnity comes into play. That or they are lying to insurance companies and their customers, which is a... choice.
[0] https://futurism.com/future-society/insurance-cyber-risk-ai