Framework
The Murky Middle
Where causation breaks down and coverage fights start.
How it works
- 1Pure machine action: clean claim.
- 2Pure human action: existing policies respond.
- 3Human editing machine output: nobody knows, and this is most real deployments.
- 4Higgins's example is the 90% AI-drafted email with three words changed by a person.
- 5Bias and discrimination claims sit here too, since the agent can follow every rule and a human can still file.
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 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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