Sample output: Insurance Policy Summary

This is an illustrative sample of what the Insurance Policy Summary 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 — insurance-policy-summary

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 insurance-policy-summary on a commercial general liability policy and prepare a source-cited summary for counsel.

Matter facts

Named insured: Maple Ridge Cabinetry LLC (fictional).
The user's role: in-house counsel for the named insured.
Policy type: commercial general liability (CGL).
Review purpose: a coverage review on a pending third-party claim.
Jurisdiction: governing law not provided.

Materials provided (fictional policy document set)

Declarations page, p.1 — named insured, policy number, policy period, and a schedule of limits.
Coverage Form CG-EX-1 (fictional) — the insuring agreements, definitions, exclusions, and conditions.
Endorsement E-1 (fictional) — an additional insured endorsement referencing a schedule.
Endorsement E-2 (fictional) — a per-project aggregate endorsement.
A forms schedule listing the forms above.

Stated facts

The declarations show a policy period and per-occurrence and aggregate limits.
The user has not located a separate professional services coverage part and is unsure whether the policy includes one.

Please: build a policy overview, a key terms table, a coverage parts table, an exclusions/conditions inventory, and an endorsements table; cite every item to the page, form, or endorsement; mark anything you cannot locate as not found; treat the policy period as [deadline verification required]; and do not conclude that any coverage exists.

What the skill produced

Sample Output — insurance-policy-summary

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, source-cited summary of a commercial general liability policy for a qualified, licensed attorney. It does not provide legal advice, conclude that any coverage exists or is excluded, determine a duty to defend or indemnify, interpret ambiguous language, or calculate any deadline. A qualified attorney must review it before any coverage position or claim handling.

Gates Table

Gate	Status	Source
Policy type	Commercial general liability (CGL)	User request
User's role	In-house counsel; insured-side	User request
Policy period	Stated on the declarations `[deadline verification required]`	Declarations p.1
Review purpose	Coverage review on a pending third-party claim	User request
Jurisdiction / governing law	`not provided` `[verify jurisdiction]`	—
Document set	Declarations, Form CG-EX-1, Endorsements E-1 and E-2, forms schedule	Provided set

Policy Overview

The policy is a fictional commercial general liability policy issued to Maple Ridge Cabinetry LLC. The declarations (p.1) show a policy period and a schedule of per-occurrence and aggregate limits. Coverage Form CG-EX-1 contains the insuring agreements, definitions, exclusions, and conditions. Two endorsements modify the form: an additional insured endorsement (E-1) and a per-project aggregate endorsement (E-2). No separate professional services coverage part was located in the provided set — see Missing or Ambiguous Items.

Key Terms Table

Term	Value as written	Source
Named insured	Maple Ridge Cabinetry LLC	Declarations p.1
Policy number	As shown	Declarations p.1
Policy period	As shown `[deadline verification required]`	Declarations p.1
Each-occurrence limit	As scheduled	Declarations p.1
General aggregate limit	As scheduled	Declarations p.1
Deductible / SIR	`not found` in the provided set	Declarations p.1

Coverage Parts Table

Coverage part	Insuring agreement (plain language)	Limits	Deductible / SIR	Granting form	Source
Bodily injury / property damage liability	Insurer agrees to pay sums the insured becomes legally obligated to pay as damages within the grant, as written	Per-occurrence and aggregate as scheduled	`not found`	CG-EX-1	CG-EX-1 §I.A
Personal and advertising injury liability	A separate grant for defined personal and advertising injury, as written	As scheduled	`not found`	CG-EX-1	CG-EX-1 §I.B
Professional services coverage	`not found` in the provided set	—	—	—	`[CONFIRM: whether a professional services part exists]`

Exclusions and Conditions Inventory

Item	Type	Plain-language summary	Source
Expected or intended injury	Exclusion	Excludes injury the insured expected or intended, as written	CG-EX-1 §I.A.2
Contractual liability	Exclusion	Addresses liability assumed under contract, with stated exceptions	CG-EX-1 §I.A.2
Notice of occurrence / claim	Condition	Requires notice of an occurrence, claim, or suit, as written	CG-EX-1 §IV
Cooperation	Condition	Requires the insured to cooperate in the investigation and defense	CG-EX-1 §IV
Transfer of rights (subrogation)	Condition	Transfers the insured's rights of recovery to the insurer, as written	CG-EX-1 §IV
Cancellation / nonrenewal	Condition	States cancellation and nonrenewal procedures, as written	CG-EX-1 §IV

Endorsements Table

Endorsement	Effect	Form amended	Source
E-1	Adds additional insureds per a referenced schedule	CG-EX-1	Endorsement E-1
E-2	Modifies the aggregate limit to apply per project	CG-EX-1	Endorsement E-2

Missing or Ambiguous Items

A separate professional services coverage part — not found in the provided set. [CONFIRM: whether the program includes one under another form]
The deductible or self-insured retention — not found on the declarations as provided.
The additional insured schedule referenced by Endorsement E-1 — not provided; the endorsement references it but the schedule was not in the set.
Governing law / jurisdiction — not provided [verify jurisdiction].

Attorney Verification Checklist

[ ] Confirm the policy document set is complete, including any schedule referenced by Endorsement E-1.
[ ] Confirm whether a professional services coverage part exists elsewhere in the program.
[ ] Confirm the policy period [deadline verification required].
[ ] Confirm governing law and jurisdiction [verify jurisdiction].
[ ] Confirm the deductible or SIR.

Assumptions

Assumed the provided forms are the operative versions for the policy period — [CONFIRM].
No conclusion that any coverage exists or is excluded is drawn; the summary organizes the policy contents for the attorney.