Framework
The Coverage Gap Map
Why your current stack does not respond.
How it works
- 1Cyber assumes an adversary attacking you, not your own system exercising bad judgment.
- 2Tech E&O and professional indemnity assume a human made an error in professional judgment.
- 3General liability now carries explicit AI exclusions under ISO endorsements CG 40 47, CG 40 48, and CG 35 08.
- 4D&O is getting absolute exclusions from carriers including WR Berkley.
- 5The exclusions make the sale easier, but Higgins says the gap existed before them.
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.Simulation UnderwritingPricing a risk with no loss history.The Consistency RegimeHiggins's health protocol, and a decent operating philosophy.
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