As major corporations go, insurance companies are about the closest thing we have to rational actors. With the job of underwriting a huge range of financial risks in a volatile market economy, the buck stops with them — meaning that by and large, they’re not going to insure any new product that’s particularly risky or untested.

In other words, insurance companies have to be practical to stay operational, even when the stock market wants to be anything but. The industry is a huge believer in climate change, for example, for the simple reason that hurricanes, wildfires, and droughts can all have a major impact on their bottom line.

That raises an interesting question: how does the insurance industry feel about AI, a highly experimental technology with almost no track record of financial su

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