Insurance policy coverage gap analysis
Normalizes one or more insurance policies or quotations against a client risk profile and identifies coverage gaps, overlaps, exclusions, and decision points. Use for policy comparison, renewal preparation, broker advice, and coverage review.
Published Aug 21, 2026 · Updated Aug 26, 2026
Requirements
Add the firm comparison schema and coverage vocabulary. Define client risk categories, materiality, and escalation rules. Provide the preferred source hierarchy for policy versions. Set required reviewer roles for coverage recommendations.
Skill document
The full SKILL.md your agent reads and follows.
Insurance policy coverage gap analysis
Purpose
Give an insurance professional a documented comparison of protection versus the client’s stated risks without replacing legal or underwriting judgment.
Scope
Commercial or personal policies, quotations, schedules, endorsements, exclusions, limits, deductibles, and client coverage requirements. Excluded: binding coverage advice, underwriting, claims decisions, and legal interpretation of policy enforceability.
Data basis
- Policies or quotes, schedules and endorsements, client risk profile, coverage requirements, loss history, and broker comparison guidance.
- The fixed records, tables, or folders in the skill scope that hold the relevant history or schema.
Result
A comparison matrix, coverage-gap memo, and prioritized questions or recommendations.
Quality criteria
- Every compared coverage component cites the policy, schedule, endorsement, or requirement source.
- Limits, deductibles, periods, exclusions, and conditions are normalized without losing source wording.
- Each gap distinguishes absent coverage, insufficient limit, restriction, and uncertain interpretation.
- Recommendations state the risk addressed and evidence used.
- Conflicting policy versions are identified and not merged silently.
Instructions
Read schedules together with wording and endorsements. Compare like-for-like coverage before comparing premium. Treat exclusions and conditions as separate decision fields. Use the client risk profile as the benchmark and identify where the profile itself is incomplete. Phrase uncertain interpretations as questions for the qualified reviewer.
Adapt before use
Keep the source trail close to every conclusion and preserve the difference between a source fact, a calculated value, an assumption, and a recommendation. Use stable identifiers across the document and sheet so a reviewer can move from a summary statement to the underlying row and source. Prefer a complete, transparent partial result over a confident answer built on missing evidence.
- Add the firm comparison schema and coverage vocabulary.
- Define client risk categories, materiality, and escalation rules.
- Provide the preferred source hierarchy for policy versions.
- Set required reviewer roles for coverage recommendations.
Related skills
- Claim chronology builder
Builds a dated chronology from claim notices, correspondence, contracts, invoices, incident records, and evidence logs, preserving source citations and disputed dates. Use for insurance claims, commercial disputes, incident files, demand packages, litigation chronologies, and internal fact reviews.
- Compliance training refresh
Updates compliance training modules against revised policies, identifies changed learner obligations, and creates source-linked lesson text, scenario questions, and an answer key. Use for annual compliance refreshes, policy changes, code-of-conduct training, and controlled learning-content updates.
- Contract obligation register
Extracts dated and recurring duties from signed contracts into an obligation register with parties, triggers, notice windows, service levels, payment terms, evidence, and owners. Use for contract lifecycle management, renewal tracking, vendor obligations, or inherited agreement cleanup.
- Contract playbook review
Reviews a commercial contract against a company playbook, records missing or non-standard clauses with exact citations, and proposes fallback positions. Use for procurement, sales, SaaS, services, and contract redline preparation.