AI is advancing fast, but is it ready to take the wheel in complex commercial underwriting? Proponents argue that AI can process vast datasets, detect hidden risks, and eliminate bias—delivering faster, more accurate decisions. Critics counter that underwriting is an art as much as a science, requiring human intuition, industry experience, and negotiation skills that no algorithm can replicate. In this high-stakes debate, tech innovators face off against veteran underwriters to determine whether AI will replace, augment, or ultimately fall short in commercial lines. Expect bold claims, heated rebuttals, and a verdict that could reshape the future of underwriting.