Insurance policy summaries, coverage issue-spotting, claim chronologies, reservation of rights and tender review, coverage-position outlines, bad-faith risk triage, certificate of insurance and contract insurance-requirements review, subrogation and recovery tracking, and renewal and placement diligence checklists.
12 skills in this practice area. Every skill produces draft legal work product for review by a licensed attorney.
Use when issue-spotting potential claim-handling and bad-faith risk themes from claim file materials into a source-cited risk-theme list for attorney review.
When to use
A claim file must be triaged for potential claim-handling and bad-faith risk themes before attorney review.
Counsel needs the file's risk themes, chronology gaps, and communication issues organized and sourced.
An insurer or insured wants potential exposure themes surfaced for a bad-faith or claim-handling assessment.
Required inputs
The claim file materials — adjuster or examiner notes, claim correspondence, coverage letters (reservation of rights, denials), settlement demands and offers, defense-counsel materials, and the claim diary, with source references.
The policy or a completed insurance-policy-summary, and any completed claims-chronology-builder, with source references.
The policy type — or not provided.
The user's role (insurer-side, insured-side, claimant-side, counsel, or other) — or not provided.
The claim type and the claim stage — or not provided.
Any dates in the file, echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction] — bad-faith and claim-handling standards are jurisdiction-specific.
If the claim file, the policy type, or the role is missing, record it as not provided and return the missing-information list first.
Use when reviewing certificates of insurance and related endorsements against contract insurance requirements into a source-cited comparison table for attorney review.
When to use
A certificate of insurance must be checked against contract insurance requirements.
A reviewer needs the certificate's policy types, limits, dates, and endorsements extracted and compared.
Missing endorsements or mismatches with the contract must be surfaced before a transaction or tender.
Required inputs
The certificate(s) of insurance, and any attached or referenced endorsements (additional insured, waiver of subrogation, primary and noncontributory), with source references.
The contract insurance requirements if available — or a completed insurance-requirements-contract-review — with source references; if not provided, the review compares against nothing and says so.
The user's role (certificate holder, named insured, contracting party, broker, or other) — or not provided.
The relationship the certificate evidences (the underlying contract, lease, or engagement) — or not provided.
The certificate and policy dates, echoed and marked [deadline verification required].
If the certificate is missing, record it as not provided and return the missing-information list first. Do not review a certificate from a description alone.
Use when building a source-cited claim chronology from notices, correspondence, adjuster notes, pleadings, demands, and payment history for attorney review.
When to use
A claim file must be organized into a factual timeline for an attorney.
Coverage, claim-handling, or bad-faith review needs a sourced chronology of what happened and when.
A claim spans many documents and a date-ordered, source-cited record is needed before substantive analysis.
Required inputs
The claim document set — first notice of loss, claim correspondence, adjuster or examiner notes, pleadings, demands, proofs of loss, and any payment history — with source references.
The policy or policy documents if available, with source references.
The policy type (CGL, property, professional, D&O, auto, first-party, third-party, or other) — or not provided.
The user's role (insurer, insured, claimant, counsel, or other) — or not provided.
The claim type and the claim stage — or not provided.
Any dates the user supplies, echoed verbatim and marked [deadline verification required].
If the claim documents, the policy type, or the user's role is missing, record it as not provided and return the missing-information list first. Build the chronology only from provided documents.
Use when issue-spotting insurance coverage questions from a policy, claim facts, tender, pleadings, and correspondence into a source-cited coverage issue matrix for attorney review.
When to use
A coverage question must be triaged before substantive attorney analysis.
A claim, tender, or denial needs the coverage issues mapped against the policy.
Counsel needs a source-cited issue matrix with explicit missing facts and document requests.
Required inputs
The policy, the policy documents, or a completed insurance-policy-summary, with source references.
The claim facts as provided, and any tender, pleadings, demand letters, denial letters, reservation of rights, or correspondence.
The policy type (CGL, property, professional, D&O, auto, umbrella/excess, or other) — or not provided.
The policy period and any claim dates, echoed and marked [deadline verification required].
The user's role (insurer, insured, additional insured, claimant, broker, or other) — or not provided.
The claim type and claim stage (notice, investigation, defense, suit, appraisal, denial, coverage dispute) — or not provided.
Jurisdiction and governing law, or [verify jurisdiction].
If the policy, the claim facts, the policy type, or the role is missing, record it as not provided and return the missing-information list first.
Use when assembling a draft coverage-position outline from supplied policy and claim materials for a coverage attorney to develop and decide.
When to use
A coverage attorney needs the materials organized into a position outline before drafting an analysis.
The policy and claim file must be structured so candidate grants, exclusions, and open issues are visible.
A reviewer wants the analytical skeleton, with every coverage decision left to counsel.
Required inputs
The policy or a completed insurance-policy-summary, with source references.
The claim facts as provided, and any tender, pleadings, demand letters, correspondence, reservation of rights, or prior coverage analysis, with source references.
The policy type — or not provided.
The user's role (insurer-side, insured-side, coverage counsel, or other) — or not provided.
The claim type and the claim stage — or not provided.
Any policy or claim dates, echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction].
If the policy, the claim facts, the policy type, or the role is missing, record it as not provided and return the missing-information list first.
Use when summarizing an insurance policy into a source-cited overview of declarations, coverage parts, limits, exclusions, endorsements, and conditions for attorney review.
When to use
An insurance policy must be summarized and organized for an attorney before a coverage review, claim review, or renewal.
A reviewer needs declarations, coverage parts, limits, exclusions, endorsements, and conditions mapped with source citations.
The policy is a long, definition-heavy document and a source-grounded summary is needed before substantive analysis.
Required inputs
The policy document set — declarations, the policy jacket or coverage forms, and all endorsements — with source references (page, form number, endorsement number, section).
The policy type (for example, commercial general liability, property, professional liability, directors and officers, auto, umbrella/excess, homeowners, life) — or not provided.
The user's role (insurer, insured, additional insured, claimant, broker, or other) — or not provided.
The policy period as written, echoed and marked [deadline verification required].
The review purpose (claim, renewal, contract compliance, diligence, or other) — or not provided.
Jurisdiction and governing law if known, or [verify jurisdiction].
If the policy documents, the policy type, or the policy period is missing, record it as not provided and return the missing-information list first. Do not summarize a policy from a description alone.
Use when reviewing the insurance and indemnity clauses of a contract, lease, or MSA into a source-cited requirements table and risk matrix for attorney review.
When to use
The insurance and indemnity clauses of a contract must be reviewed and organized for an attorney.
A party needs the required policies, limits, endorsements, and indemnity terms mapped from its perspective.
Missing or one-sided insurance provisions must be flagged before negotiation or signing.
Required inputs
The contract, with the insurance and indemnity clauses, and source references.
The contract type (lease, MSA, vendor agreement, construction agreement, service agreement, purchase agreement, or other) — or not provided.
The user's role (the party requiring coverage, the party providing it, landlord, tenant, owner, contractor, customer, vendor, or other) — or not provided.
Optional but recommended: the user's standard insurance requirements or playbook.
Optional: the practice group's practice-profiles/insurance.md if it has been populated and is loaded alongside this skill. If present, the skill uses its Standard Positions and Escalation Thresholds tables to benchmark the output and to gate escalation. If absent, the skill proceeds without practice-profile benchmarking and asks the user to supply standing positions inline if needed.
Any dates or notice periods in the clauses, echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction] — anti-indemnity and insurance-procurement rules are jurisdiction-specific.
If the contract or the insurance/indemnity clauses are missing, record it as not provided and return the missing-information list first. Do not review from a description alone.
Use when reviewing insurer, insured, claimant, or broker communications for clarity, consistency, privilege concerns, and claim-handling risk for attorney review.
When to use
Insurer, insured, claimant, or broker communications must be reviewed before they are sent or after they are received.
A draft claim or coverage communication needs a clarity, consistency, and risk check before an attorney finalizes it.
Privilege, confidentiality, or escalation concerns in a communication thread must be surfaced.
Required inputs
The communications to review — drafts to be sent, or received communications, with source references.
The policy or claim context, and any completed claims-chronology-builder or coverage materials, with source references.
The user's role (insurer, insured, claimant, broker, defense counsel, coverage counsel, or other) — or not provided.
The claim stage and the purpose of the review (pre-send check, received-communication analysis, thread audit) — or not provided.
Any dates in the communications, echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction].
If the communications, the user's role, or the review purpose is missing, record it as not provided and return the missing-information list first.
Use when generating a legal and compliance diligence checklist for an insurance policy renewal or placement for attorney and broker review.
When to use
A renewal or new placement needs a structured legal and compliance diligence checklist.
Counsel or risk management needs the document requests and coverage-gap questions organized before a renewal.
Material changes, new operations, or contractual coverage obligations must be checked against the program before renewal.
Required inputs
The renewal or placement context — what program or line is being renewed or placed, and the renewal or effective date as supplied, echoed and marked [deadline verification required].
The expiring policies or a completed insurance-policy-summary, if any, with source references.
The claims history, material changes since the last term, and any contracts requiring coverage, as provided.
The lines of coverage in scope — or not provided.
The user's role (insured / risk manager, in-house counsel, broker working with counsel, or other) — or not provided.
New operations, new jurisdictions, and any regulatory issues supplied by the user.
Jurisdiction(s) of operations, or [verify jurisdiction].
If the renewal/placement context, the lines in scope, or the user's role is missing, record it as not provided and return the missing-information list first.
Use when reviewing a reservation of rights letter or coverage correspondence into a source-cited issue list and provision-reference table for attorney review.
When to use
A reservation of rights letter or coverage-position letter must be reviewed and organized for an attorney.
An insured or insurer needs the letter's reserved rights, cited provisions, and information requests mapped against the policy.
Coverage correspondence must be checked for clarity, consistency, and completeness before a response.
Required inputs
The reservation of rights letter or coverage correspondence, with source references to paragraphs or sections.
The policy or a completed insurance-policy-summary, with source references — so cited provisions can be cross-referenced.
The policy type — or not provided.
The user's role (insurer, insured, additional insured, defense counsel, coverage counsel, or other) — or not provided.
The claim or matter the letter addresses — or not provided.
Any dates in the letter, echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction].
If the letter, the policy, or the user's role is missing, record it as not provided and return the missing-information list first.
Use when organizing potential subrogation, reimbursement, salvage, contribution, and recovery facts from a loss into a source-cited recovery fact map for attorney review.
When to use
The facts bearing on a potential recovery from a third party must be organized for an attorney.
An insurer or insured needs the loss, payment, party, contract, and policy facts mapped by recovery theory.
Evidence-preservation and document needs must be surfaced early in a potential recovery.
Required inputs
The loss facts, and the claim or payment documents (proof of loss, payment ledger, claim file), with source references.
Any contracts, indemnity provisions, and the policy subrogation/transfer-of-rights provisions, with source references.
The recovery types in scope (subrogation, reimbursement, salvage, contribution, indemnity, or other) — or not provided.
The user's role (insurer, insured, recovery counsel, or other) — or not provided.
The responsible or potentially responsible parties as identified — or not provided.
Any deadlines the user supplies (limitations, notice, contractual), echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction].
If the loss facts, the recovery types, or the user's role is missing, record it as not provided and return the missing-information list first.
Use when reviewing a tender letter, notice of claim, or additional insured or contractual indemnity tender into a completeness checklist and risk flags for attorney review.
When to use
A tender letter, claim notice, additional insured tender, or contractual indemnity tender must be reviewed before it is sent or after it is received.
The user needs the tender checked for completeness, supporting documents, and risk flags.
A draft tender needs attorney-review revisions before finalizing.
Required inputs
The tender or notice letter, with source references — or, if drafting-stage, the draft.
The asserted basis for the tender — the policy (with its additional insured provisions) and/or the contract (with its insurance and indemnity clauses), with source references.
The user's role (tendering party, party receiving the tender, insured, additional insured, insurer, broker, or other) — or not provided.
The claim or matter being tendered — or not provided.
The duties tendered — defense, indemnity, or both — or not provided.
Any timing facts the user supplies (date of loss, date of suit, date of tender), echoed and marked [deadline verification required].
Jurisdiction and governing law, or [verify jurisdiction].
If the letter, the asserted basis, or the user's role is missing, record it as not provided and return the missing-information list first.