In conversations with Digital Insurance, experts across insurtech reflected the boundaries of the debates around corporate governance and ethics, and how those interact with AI initiatives. Some say that “bias” is an inaccurate term to describe the problem. AI engines for insurance underwriting have to make value judgements in order to provide accurate pricing. What they can’t do is make those judgments based on immutable characteristics like race, says Eric Sibony, chief product and science officer and co-founder of Shift Technology, an insurtech that built an AI fraud detection system.