Artificial intelligence has not reached the point where it is replacing humans in the insurance industry because many processes still require human intervention, speakers said at a recent insurance conference. Artificial intelligence is used in some cases for client engagement - with a chatbot for instance, Charles Dugas, head of insurance at Elemental AI, said during a panel discussion at the recent Property and Casualty Insurers’ Risk Management Conference. "The idea is that you will still want to have a human in the loop," said Dugas. This, Dugas suggested, is because a software program will not always know how it should handle communication from a customer.