The Droid Underwriting Manual: Scoring Autonomous Frames Among Vulnerable Populations

The first scoring instrument for underwriting autonomous frames operating among vulnerable populations.

Three-layer scoring framework evaluating the frame maker (Layer 1), the operating system architecture (Layer 2), and the deployer (Layer 3).

Nineteen scored tables, five population vulnerability tiers, structural overrides, exclusion triggers, risk classification matrix, premium rating structure, remediation pathway, and renewal assessment criteria. Produces an accept, condition, or decline determination traceable to specific scored evidence across all three liability layers.

93 pages. Eight sections plus Appendix with working scoring fields.

September 2026.