Framework
Autonomy Level Three
The threshold Higgins uses to tell founders whether they need to act.
How it works
- 1Below it, the AI recommends and a human decides.
- 2At level three or four, the agent makes a judgment call that changes something in the world.
- 3Sending money, making a booking, and dispatching a shipment all clear the bar.
- 4If you are past this line, Higgins says you are carrying liability whether or not you have named it.
Hear it on the podcast
Insure Your AI Agent: This PhD Built The PolicyListen to the episodeMore from this episode
The Blast Radius TestHiggins's underwriting mental model. Price the agent by what it can reach.The Murky MiddleWhere causation breaks down and coverage fights start.The Coverage Gap MapWhy your current stack does not respond.Simulation UnderwritingPricing a risk with no loss history.The Consistency RegimeHiggins's health protocol, and a decent operating philosophy.
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