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https://completemarkets.com/Blog/post/IndependentInsuranceMarinCounty/3838/The-ethics-of-Competing-with-Robots-in-2016/
We have all been there, the obvious recommendation that costs only a few dollars, the one that the client refuses to purchase but you know they will cry fowl if a claim ever has to come up. A lesser made algorithm could easily just take the No for a No. While a skilled insurance agent who is seriously concerned about possible E&O exposure might be sure to confirm that the client fully understands the No in this case.