Contextual Integrity; Data Protection Law; Value Sensitivity; Insurance; Big Data Analytics; Ethics; Survey Research; Privacy Law; Protected Values
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Insurance companies act in a genuinely data-driven industry and show a keen interest in many applications of big data analytics such as mobility mining in car insurance, personal profiling for fraud risk rating, or quantified-self applications for health insurances. In the meantime, the moral foundation of insurances is solidarity, namely the idea of sharing risks individuals may face due to their personal background and lifestyle - a foundation that is likely to be shattered by the power of personalization provided by big data applications. The insurance industry is thus a paradigmatic test-case for analyzing the societal acceptability of big data and for balancing privacy laws with the advantages of many of the novel big data applications. In our project we investigate sensitivity and attitudes of major stakeholders (customers and product designers) for ethical and legal big data challenges. This knowledge is a key prerequisite for better understanding what parts of big data analysis and product design are of ethical concern, which finally should lead to industry guidelines and policy recommendations. The project has three goals: First, creating survey instruments to assess the moral sensitivity for relevant values and attitudes of stakeholders in the big data context; second, providing insights both for industry representatives and legislators that outline ethical and litigation challenges and that lead to recommendations on how the current insurance law may be adapted to meet these challenges; third, developing an industry standard to handle ethical and legal risks of big data applications in insurance.