Ethics and Insurance

I help insurers achieve greater certainty on ethical issues, both present and emerging. I have a reputation for foresight, pragmatism and independent thinking, particularly around data ethics. You can keep in touch with my analysis through my free weekly ‘Ethics and Insurance’ newsletter. Join below
Ethics and Insurance
What I do

Insight

I help insurers understand developments in insurance from an ethical perspective and the options open to them. My analysis delivers an extra level of understanding from an independent perspective
Read more

Critical Friend

Insurers face some ethical challenges at the moment – I’ve been tracking them for several years. My role as a critical friend helps them to reality check their thinking and turn a situation into a plan.
Read more

Horizon Scanning

I’ve been an influential figure in analysing the implications of digital insurance for several years now. Through workshops and research, my ethics radar highlights the problems and opportunities to look out for.
Read more
Latest posts
View all
Prediction and the Cold Hand public
Data Ethics 3 min read

Prediction and the Cold Hand

Analytics are not neutral tools. When you use analytics to work something out, you start to change that something. In some forms of analytics, this change can be supportive. In other forms, it can be destructive. This mix of influences should be part of how you design and deploy analytics.…
Duncan Minty
Duncan Minty
Actuary of the Year – a data ethics expert public
Data Ethics 1 min read

Actuary of the Year – a data ethics expert

This year’s ‘Actuary of the Year’ in Australia is an expert in data ethics in insurance. This recognition points to a growing awareness in the actuarial community, at least in Australia, that data ethics is very much part of ‘what they do’.…
Duncan Minty
Duncan Minty
Whistleblowing - the Tip of a Data Iceberg public
Regulation 4 min read

Whistleblowing - the Tip of a Data Iceberg

The UK regulator is now publishing data about the allegations being reported to its whistleblowing team. So what does it tell us (and not tell us) about the state of whistleblowing in UK financial services? And what trends should you be looking out for? I explore the numbers here.…
Duncan Minty
Duncan Minty
Assessing the Risk from Algorithm Destruction public
Data Ethics 5 min read

Assessing the Risk from Algorithm Destruction

We’ve seen a couple of cases now in which firms have been told by regulators to destroy not only the data they shouldn’t have been using, but also the algorithms and models that had been trained on that data. So are insurers at risk from this too, and if so, how can they begin to assess it?…
Duncan Minty
Duncan Minty
Asking the Wrong Question - EIOPA and High Risk AI public
Data Ethics 5 min read

Asking the Wrong Question - EIOPA and High Risk AI

A tussle is emerging around whether the artificial intelligence systems used by insurers should be classified as high risk or not. It’s an EU thing, but of clear relevance to non-EU insurers too. The implications of a high risk designation are huge, so insurers need to track these developments.…
Duncan Minty
Duncan Minty
A Warning Shot on Data Ethics from California public
Discrimination 3 min read

A Warning Shot on Data Ethics from California

A warning shot has been fired across the bows of US insurers by the Californian Insurance Commissioner. Its recent investigations into “..potential bias and alleged unfair discrimination in many lines of insurance…” seem to have unearthed problems.…
Duncan Minty
Duncan Minty
Fairness 3 min read

Financial Inclusion – a small but significant step

The influential Treasury Committee has recommended that the UK insurance regulator be put under a ‘have regard’ obligation for financial inclusion when it makes rules. It would be a small yet significant step towards addressing financial inclusion, were the Treasury to accept the recommendation.…
Duncan Minty
Duncan Minty
Whose data should an insurer trust? public
Data Ethics 3 min read

Whose data should an insurer trust?

Whose data should an insurer trust? Data provided by consumers, or data supplied by the insurer’s data broker? A prominent data broker to the UK market is saying that their data is accurate and can be trusted; and that the same cannot be said of data provided by the consumer. Are they correct?…
Duncan Minty
Duncan Minty
Explore topics
View all
Great! You’ve successfully signed up.
Welcome back! You've successfully signed in.
You've successfully subscribed to Ethics and Insurance.
Your link has expired.
Success! Check your email for magic link to sign-in.
Success! Your billing info has been updated.
Your billing was not updated.