Framework
Simulation Underwriting
Pricing a risk with no loss history.
How it works
- 1Traditional insurance requires historical claims data, and agentic AI has none.
- 2Redberry uses AI to simulate the probability of specific failure classes for a specific agent.
- 3Two variables: how likely the failure is, and how expensive it gets.
- 4One line added to your codebase gives Redberry visibility, or you can skip integration and pay more for the uncertainty.
- 5Higgins sees the same approach extending to physical systems, pointing to NVIDIA's world models and digital twins as the path into robotics underwriting.
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.Autonomy Level ThreeThe threshold Higgins uses to tell founders whether they need to act.The Murky MiddleWhere causation breaks down and coverage fights start.The Coverage Gap MapWhy your current stack does not respond.The Consistency RegimeHiggins's health protocol, and a decent operating philosophy.
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