Sample output: Coverage Issue Spotter

This is an illustrative sample of what the Coverage Issue Spotter skill produces. Every party, date, document, and fact is fictional — invented for illustration only.

Every output is draft legal work product for review by a licensed attorney. AgentCounsel does not provide legal advice and is not a substitute for a qualified lawyer. A licensed legal professional must review and adopt every output before it is relied upon.

The fictional scenario

Sample Request — coverage-issue-spotter

Fictional illustration. All parties, facts, figures, forms, and documents below are invented for this example. The example contains no real or invented legal authority.

Please run coverage-issue-spotter on a commercial general liability policy and a tendered claim, and map the coverage issues for our coverage counsel.

Matter facts

Insured: Maple Ridge Cabinetry LLC (fictional).
The user's role: insurer-side claims counsel.
Policy type: commercial general liability (CGL).
Claim type: third-party property damage claim.
Claim stage: tender received; suit filed.
Jurisdiction: governing law not provided.

Materials provided (fictional)

The CGL policy — declarations and Coverage Form CG-EX-1, with sections referenced by number.
A tender letter from the insured's broker, dated and referencing the suit.
A complaint (fictional) alleging property damage at a job site.
An additional insured endorsement (E-1) referencing a schedule.

Stated facts

The complaint alleges property damage during a fictional cabinetry installation project.
The tender asserts the insured is an additional insured under a different carrier's policy as well; that other policy was not provided.
The date the insured first learned of the occurrence is not provided.

Please: build a coverage issue matrix and a source-cited policy/claim fact table; list missing facts and the documents to request; do not decide whether the claim is covered or whether the insurer must defend or indemnify; and include attorney verification questions.

What the skill produced

Sample Output — coverage-issue-spotter

Draft work product for attorney review. Not legal advice. Every party, fact, figure, form, document, and reference below is fictional and illustrative. This example contains no real or invented legal authority. It shows the shape of the skill's deliverable — not a model answer for any matter.

Capability and Reliance Notice

This is a draft coverage issue map for a qualified, licensed attorney. It does not provide legal advice, determine whether the claim is covered, decide a duty to defend or indemnify, conclude on any exclusion, endorsement, additional insured status, allocation, other-insurance priority, or notice, or calculate any deadline. Every issue below is an open question for coverage counsel. A qualified attorney must review it before any coverage position.

Gates Table

Gate	Status	Source
Policy type	Commercial general liability (CGL)	User request
User's role	Insurer-side claims counsel	User request
Claim type	Third-party property damage claim	User request
Claim stage	Tender received; suit filed	User request
Policy period	On the declarations `[deadline verification required]`	Declarations p.1
Jurisdiction / governing law	`not provided` `[verify jurisdiction]`	—

Coverage Issue Matrix

#	Issue	Coverage layer	Policy provision (source)	Claim fact (source)	Why it is an open question	Attorney follow-up
1	Whether the alleged property damage falls within the insuring agreement	Insuring agreement trigger	CG-EX-1 §I.A	Complaint alleges property damage at the installation project	The complaint's allegations and the grant's defined terms must be compared	`[ATTORNEY TO CONFIRM]` the grant analysis
2	Occurrence timing within the policy period	Policy period	Declarations p.1; CG-EX-1 §I.A	Date the property damage occurred is `ambiguous` in the complaint	Whether the occurrence falls in the policy period turns on facts not yet established	Confirm the occurrence date
3	Notice of occurrence and suit	Notice / conditions	CG-EX-1 §IV (notice condition)	Date the insured first learned of the occurrence is `not provided`	Whether the notice condition is satisfied turns on dates not provided	Obtain the insured's first-awareness date
4	Potentially applicable exclusions	Exclusions	CG-EX-1 §I.A.2 (exclusions)	Project facts in the complaint	Which exclusions are in play depends on facts still being developed	Review §I.A.2 exclusions against the developed facts
5	Duty to defend vs. duty to indemnify	Defense / indemnity	CG-EX-1 §I.A	Suit filed; allegations as pleaded	Defense and indemnity turn on different inquiries; neither is decided here	Analyze each separately under the governing law
6	Additional insured status under another policy	Additional insured / other insurance	Endorsement E-1; the other carrier's policy `not provided`	Tender asserts AI status under a different carrier's policy	The other policy and its AI endorsement were not provided	Obtain the other policy and its AI endorsement
7	Other insurance and priority	Other insurance	CG-EX-1 §IV (other-insurance condition)	Two policies asserted	Priority cannot be assessed without the other policy	Obtain the other policy; defer priority to counsel

Policy / Claim Fact Table

Item	Extracted content	Source
Insuring agreement	Liability grant for defined property damage, as written	CG-EX-1 §I.A
Exclusions	Exclusion set, as written	CG-EX-1 §I.A.2
Notice condition	Requires notice of occurrence, claim, or suit	CG-EX-1 §IV
Other-insurance condition	Addresses other applicable insurance	CG-EX-1 §IV
Additional insured endorsement	Adds additional insureds per a referenced schedule	Endorsement E-1
Alleged loss	Property damage at the installation project	Complaint

Missing Facts

The date the property damage occurred — ambiguous in the complaint.
The date the insured first learned of the occurrence — not provided.
The other carrier's policy and its additional insured endorsement — not provided.
The additional insured schedule referenced by Endorsement E-1 — not provided.
Governing law / jurisdiction — not provided [verify jurisdiction].

Document Request List

The other carrier's policy and additional insured endorsement (Issues 6-7).
The additional insured schedule referenced by Endorsement E-1 (Issue 6).
The insured's claim file showing first awareness of the occurrence (Issue 3).
Any project contract requiring insurance (Issues 6-7).

Attorney Verification Questions and Escalation Triggers

Confirm governing law and jurisdiction [verify jurisdiction] before any coverage analysis.
Confirm the occurrence date and the insured's first-awareness date.
Obtain the other carrier's policy before any other-insurance or priority analysis.
Escalate before any reservation of rights, denial, or defense decision — none is made here.

Assumptions and Limits

Assumed the complaint and tender provided are complete for issue-spotting — [CONFIRM].
No coverage, duty-to-defend, duty-to-indemnify, exclusion, additional-insured, or priority conclusion is drawn; every issue is an open question for counsel.