Every agent action in InsightPlacement has a level. The level decides whether the agent only drafts, asks a person first, or (in principle) acts and tells. For a broker, the answer for anything that reaches a client, a carrier or a binder is fixed: a person decides. The dial exists so the practice can see that, prove it, and loosen it only where evidence says it is safe.
Four levels
| Level | What the agent does | In InsightPlacement |
|---|---|---|
| L1 · Draft | Prepares a draft; a person does the work | Where every agent action starts |
| L2 · Ask first | Prepares the decision and asks a person before it acts | The tenant ceiling and every action’s hard cap |
| L3 · Act and tell | Acts, tells the person, lets them pull it back | Locked |
| L4 · Act | Acts on its own | Locked |
this action and line"] --> MIN{"Lowest of"} B["The action's
hard cap: L2"] --> MIN C["The tenant ceiling:
L2 by default"] --> MIN MIN --> L["Level used
L1 or L2"] L --> P["Prepared for a person"] style P fill:#e8f8f4,stroke:#10b981,stroke-width:2px
The level used for any action is the lowest of three: the agent’s level for that action (and line, if set), the action’s hard cap, and the tenant ceiling. In InsightPlacement every action — ordering loss runs, asking the client for data, approving a submission, adopting a plan, sending submissions, confirming quotes, selecting quotes, finalising a proposal, filing the affidavit, signing off, ordering binding — has a hard cap of L2. Whatever the dial says, the agent asks first.
Evidence, not opinion
Each answer a person gives to a prepared decision — accept, change, reject — is counted as agreement or disagreement with the agent. The autonomy page shows agreement and overrides over 30 days, per agent and action. The platform’s rule for moving an agent: it can move up a notch when people agree with at least 90% of 50 answers, and moves down at once below 70% of 20. Inside InsightPlacement “up” can only mean L1 to L2; L3 and L4 stay locked.
On the demo book the page reads “Nothing to measure yet” — nobody has answered the agents there. That is the honest state of a fresh install, and it is how it should start.
The ceiling and the switch
- The tenant ceiling is set by configuration (
PLACE_AGENTS_MAX_LEVEL, default L2), not by a screen; no agent acts above it. - Each agent has an on/off switch on the autonomy page; an agent switched off is skipped by Analyze.
- Only practice leads open the autonomy page; for every other role it is not part of the menu.
Why not let it act?
A broker’s duty to the client does not delegate to software. Even a perfect comparison is advice; the selection, the proposal and the bind are acts of the broker. The product makes those acts faster to take and easier to evidence. It does not take them.
