Lemonade's recent glitch sheds light on public fears about AI -- and about what must be done to keep AI innovation from slowing. Being a disruptor is hard. It requires taking disproportionate risks, pushing the status quo and -- more often than not -- hitting speed bumps. Recently, Lemonade hit a speed bump in their journey as a visible disruptor and innovator in the insurance industry. I am not privy to any details or knowledge about the case or what Lemonade is or isn't doing, but the Twitter event and public dialogue that built up to this moment brings forward some reflections and opportunities every carrier should pause to consider.

The technology industry and policymakers need to address public concerns about artificial intelligence (AI) which are "not the fault of AI" itself, a tech executive said Tuesday. "It is the fault of developers, so we need to solve this problem," said Song Zhang, managing director for China at global software consultancy, ThoughtWorks. Consumer worries relating to AI include concerns about personal privacy and how the systems may get out of control, said Zhang during a panel discussion discussing the "Future of AI" at CNBC's East Tech West conference in the Nansha district of Guangzhou, China. It is the duty of the tech industry and policymakers to focus on, discuss and solve such problems, said Zhang in Mandarin, according to a CNBC translation. Indeed, while consumers are curious about AI when they first come into contact with the technology, their mindset changes over time, said Rong Luo, chief financial officer of TAL Education Group.

Negative views of AI development predominate In a speech to the European Parliament's Science and Technology Options Assessment Group Modeas said:"If you do any research on artificial intelligence these days, the results are astonishingly pessimistic. Nine articles out of ten on AI are negative. Alarmist and panicked, sometimes even hysterical. Commissioner Modeas is betting that AI research will be a positive force even though he admits that public fear of the technology appears to be deep. He thinks the public fears what is the most exciting new technology for our generation. To deny the amazing benefits it can bring is not the answer he claims. Possible negative effects of AI development Warnings about AI development have come from notables such as Bill Gates, Stephen Hawking, and Elon Musk who argue that it could evolve to a point where it is beyond human control. Many critics also worry that robots with AI will take over jobs creating unemployment. Elon Musk's worries Musk who himself has been a prime contributor to technology both in electric vehicles and space rockets worries that competition for AI technology could lead to war as governments compete for superiority in weaponry using AI. However, it has surely always been the case that countries compete for technology especially technology that can be triumphant in warfare. This would be so whether AI developed or not. However, the development of AI will make this competition more dangerous.. Technology in the form of chemical weapons and nuclear bombs already show that it is imperative that we do everything we can to ensure that new AI technology is controlled. Musk's warning are very much based on reality. Will AI technology result in lost jobs? Another of Musk's worries was the loss of jobs. Economists Daron Acemoglu and Pascual Restrepo of the National Bureau of Economic Research looked at the historical effects of robots on employment in the US between 1990 and 2007 controlling for the influence of other factors. Their study showed that each new robot led to the loss of between 3 and 5.6 jobs in the local area. For each new robot added for 1,000 workers wages would also decline between 0.25 and 0.5 percent. The two researchers write: "Predictably, the major categories experiencing substantial declines are routine manual occupations, blue-collar workers, operators and assembly workers, and machinists and transport workers." Steven Mnuchin, the US treasury secretary said that he was not worried about the effects of AI and automation on employment. Mnuchin said: "Quite frankly, I'm optimistic.