on your life. Many of the brightest,
hardest-working insurance people
I know enjoy a glass of wine with
lunch. One imagines they will seek
employment in industries that
respect their intelligence and self-control.
Until now, I had thought of
insurance as one such industry. A
spot of alcohol need not ruin a day’s
work or a person’s career. But a ban
on lunchtime drinking will damage
Lloyd’s, because most adults hate
being told what to do by people
whose moral compass is set on stun.
Insurance underwriting was
recently rated by Oxford University
as the job most likely to be
susceptible to automation, with 98.9
percent of its practitioners at risk. I’d
bet Lloyd’s is bursting to introduce
the idea of underwriting by robots.
To ease their arrival, Lime Street is
already treating its human resources
as automatons. &
ROGER CROMBIE is a United Kingdom-based columnist for Risk & Insurance®. He
can be reached at email@example.com.
Puritanism was a religious reform movement that arose in England in the late 16th century. Agents sent to the
northern colonies in the New World laid the foundations for
interest. I haven’t had an alcoholic
beverage since 1986, because I was,
and doubtless still am, an alcoholic.
It never affected my work, mind you,
and thereby hangs a tale. As drunk as
I was each night, I am an adult, and
understood that work mattered.
Lloyd’s apparently regards its
employees as children. No smoking;
no drinking; no sex please (they’re
British); and no enjoyment of any
kind whatsoever at work.
Puritans were often represented
dramatically as “secretly lascivious
purveyors of feigned piety.” I don’t
know how well that description suits
the Lloyd’s people, but the term
“condescending” fits nicely.
Lloyd’s wants its workplace to
be a drab, joyless environment. It
fails to see the benefit of employees
networking over a lunchtime pint,
as they have for 300 years. A glass of
wine or a pint of beer with lunch is
no worse for most people than a Diet
By all means punish those who
practice excess. But dictate moral
behavior to those who don’t? Not
one — are now considered akin to
terrorists. We hateses them. Where
there’s smoke, there’s puritans.
Before becoming the most hated
man in Europe, Tony Blair wanted
to ban smoking everywhere. Instead,
everywhere banned Tony Blair.
Lloyd’s of London had its genesis
in a drinking environment (coffee),
not long after the old puritanism held
sway. Lloyd’s has now banned its 800
employees from drinking alcohol of
any sort before 5:00pm, and would
probably prefer them to not drink
thereafter. Gross misconduct charges
and possible termination will follow
for those who break the rules.
Here I must also declare an
the religious, intellectual, and social
order of the nascent United States.
The British got over the idea, and
became instead stoics, who regulate
themselves, whereas puritans know
what’s best for everyone else.
The new puritanism had, until
recently, limited itself to sex and
In matters sexual, swains at UK
universities are advised to receive
written permission from the objects
of their desire 24 hours ahead of
an intended union, to head off the
potential for misunderstanding.
Smoking, of course, has replaced
blasphemy as the ultimate depravity.
Beastly smokers — of which I am
A Sobering Step
BY ROGER CROMBIE
BY JEFF DRIVER
developed without being validated for
diagnostic accuracy or utility using the
highest standards in research methods.
Ethical Breaches: As digital data
production, storage and analysis
continue to advance, the way that
biomedical research is conducted
has changed; the ethics of data-driven biomedical research must
keep pace with these transformative
With of each of these risks
arise salient questions, potential
vulnerabilities, and possible solutions,
which we will explore further in part
two of this segment. Digital medicine
will continue to grow and spread; in
fact, the FDA has allocated resources
to facilitate its development. We
look to a future full of both risk and
possibility, particularly as these rapidly
evolving technologies are applied in
Hooba-dooba indeed. &
JEFF DRIVER is the Chief Risk Officer-
Stanford University Medical Center and
the Chief Executive Officer - The Risk
Authority, LLC. He can be reached at
George Jetson yells “Jane! Stop this crazy thing!” He’s tuck on a treadmill that he can’t turn off, and seems in
peril of being flung into the sky.
instant analysis. Smart, cell-based
therapeutics are being developed
that can monitor and even regulate
insulin delivery through the use of a
smartphone. There are also apps to
assist with mental health, including
guided meditation, reduction in
negative thinking, and mindfulness.
These programs integrate almost
seamlessly with our everyday lives.
But in health care risk
management, we know that it’s not
quite so simple, and the “rewards”
that digital medicine can offer do
not come without risk. It’s our job to
identify and mitigate these emerging
risks; which can have potentially
damaging effects on patients and
As medical devices are increasingly
connected to the internet, hospital IT
systems, and other medical devices,
there is a higher risk of hackers
collecting sensitive information, or
worse — interrupting life-critical
systems that protect human life.
rife with potential for preventative
health care, some apps have been
could hardly conceive of.
Experts explain digital medicine
as the convergence of the digital and
genomic revolutions with health care
to better track, manage and improve
our health to live better, more
productive lives and improve society.
In many cases, it can also impact
inefficiencies in health care delivery,
such as improve access to care, reduce
health care costs, increase quality,
and make the delivery of care more
personalized and precise.
For example, several apps exist
for the early detection of melanoma,
offering users the ability to snap
photos of moles and skin conditions
and send them in for almost
In addition to “Hooba-Dooba!”
(indicating both surprise and
appreciation), this is George Jetson’s
common response to interacting with
the once-fantastical technological
advances of his life in Orbit City.
The Jetsons predicted it all. From
video calls to smart homes, delivery
drones to flying cars, the technology
once only imagined by the animators
at Hanna-Barbera has altered the
shape of contemporary life. These
technologies are no longer a futuristic
dream; rather, they are an emerging
Health care too is embracing
revolutionary and rapidly evolving
digital medicine that a decade ago we