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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 fortnightly ‘Ethics and Insurance’ newsletter.
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
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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.
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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.
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Latest posts
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The Ethics of Data Visualisation - Lessons for Insurers public
Data Ethics • 6 min read

The Ethics of Data Visualisation - Lessons for Insurers

The very size of big data makes it a challenge to draw insight from. That’s where data visualisation comes in, and everyone in the insurance sector uses it, big time. Yet there are ethical issues associated with ‘datavis’, with important implications for decision making and risk radars.…
Duncan Minty
Duncan Minty •
Why This Approach to AI, Insurance and Regulation is Flawed public
Data Ethics • 8 min read

Why This Approach to AI, Insurance and Regulation is Flawed

A leading insurance institution has set out its views on how insurers’ use of AI should be regulated. Their aim is to give insurers a ‘right to innovate’. Their case is cleverly constructed, but underlying it are some flawed interpretations. I critique the report and offer a more realistic view.…
Duncan Minty
Duncan Minty •
The Most Important Ethical Skill of All - Listening public
Ethical Skills • 3 min read

The Most Important Ethical Skill of All - Listening

There is one ethical skill that stands head and shoulders above all others, and it is listening. That’s because it helps you understand just how well you’re performing, against how well you think you are performing. So what options do you have for listening to what your staff think about ethics?…
Duncan Minty
Duncan Minty •
A Legal Spotlight Turns on Discrimination in Claims public
Claims • 4 min read

A Legal Spotlight Turns on Discrimination in Claims

Insurers using algorithms in claims and fraud decisions should now prepare for much greater scrutiny of how such systems are designed and used. A legal challenge in the US alleging discrimination has in part passed a key legal milestone. I weigh up the ramifications of what could be a landmark case.…
Duncan Minty
Duncan Minty •
Why Contagious Misconduct Can Collapse Firms public
Ethical Culture • 2 min read

Why Contagious Misconduct Can Collapse Firms

We often think of misconduct in terms of the individual. Yet we also know that such cases often have a ripple effect, signalling to others that they could act likewise. This creates a slippery slope to more serious cases of misconduct. So how might contagious misconduct be controlled?…
Duncan Minty
Duncan Minty •
ICO Consultation on Biometrics: Key Points for Insurers public
Data Ethics • 6 min read

ICO Consultation on Biometrics: Key Points for Insurers

The UK data protection regulator has issued draft guidance on the use of biometric data. It’s been delivered in a pretty ‘oven ready’ state, with two clear exposures for insurers. Are insurers prepared for the pretty fundamental questions they will now need to ask themselves?…
Duncan Minty
Duncan Minty •
Why the Social Scoring Ban is Seismic for Counter Fraud public
Counter Fraud • 6 min read

Why the Social Scoring Ban is Seismic for Counter Fraud

There are many significant things in the EU’s AI Act but none will be more disruptive for insurers than the proposed ban on social scoring. It will cause the sector’s core digital strategies to need serious reconfiguring. So why has this happened and what do insurers have to look out for?…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

190+
Underwriting

Underwriting

144+
Accountability

Accountability

101+
Regulation

Regulation

75+
Fairness

Fairness

68+
Personalisation

Personalisation

63+
Discrimination

Discrimination

58+
Privacy

Privacy

45+
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