The Autonomous Act → The Underwriting Liability Gap → The Secours Solution

The Underwriting Gap

Autonomous AI agents; systems that take consequential actions without per-action human approval, create a new class of liability product lines, specifically D&O, E&O, and TPA exposure that existing policy language does not adequately address. The exposure is real. It is accumulating in the current underwriting cycle. It is not being priced accurately because the governance data required to price it does not yet exist in a standardized, legally admissible form.

This is not a future risk. Enterprise AI deployments are live. Agents are making consequential decisions, approving transactions, routing claims, allocating resources, advising fiduciaries, without a deterministic record of who authorized the action, under what scope, at what moment. When that action produces a loss, the liability chain is legally opaque. Underwriters have no evidentiary baseline. Claims handlers have no governance record.

The market needs an evidentiary standard before a major loss event forces exclusions rather than coverage frameworks. The window to define that standard is the current underwriting cycle — not the next one.