记忆

Insurance Agent — Coverage-Gap Premortem

试用

Activate when: an insurance agent should stress-test a client's coverage before a claim exposes a gap; 'is this client actually covered', policy review, excl...

它能做什么

Activate when: an insurance agent should stress-test a client's coverage before a claim exposes a gap; 'is this client actually covered', policy review, exclusions/limits/underinsurance; E&O risk. Do NOT activate when: no coverage is being placed or reviewed. More: deciqai.com/c/insurance-coverage-gap-premortem

技能文档

Insurance Agent — Coverage-Gap Premortem

Industry front door for premortem. Adds domain triggers, example, packs. Parent Process unchanged. Not legal/coverage advice.

Activate when: placing or reviewing coverage; annual policy review; a client with growing assets/liability; protecting against an uncovered-claim + E&O event. Do NOT activate when: no coverage decision in play.

Why this variant

The parent premortem imagines the failure and works backward. In insurance the failure is a denied/underpaid claim because of a gap — which harms the client and exposes the agent to an E&O suit. Premortem finds the gaps while they're still fixable.

Domain inputs → the parent's Process

Imagine a claim was denied/underpaid — why?

  • Limits too low (dwelling underinsured, liability under net worth) → recommend umbrella.
  • Exclusions bite (flood, earthquake, business-use, water backup) not disclosed/added.
  • Coverage type wrong (ACV vs replacement cost).
  • Life changes not reflected (new business, teen driver, home addition, rental).
  • Document every recommendation the client declined (E&O defense).

Worked example

Client's net worth grew to $2M; still on minimum auto liability, no umbrella. → Premortem: an at-fault accident exceeds limits → personal assets exposed + "why didn't my agent tell me" E&O claim. Recommend umbrella now; if declined, document the offer and rejection.

Packs

  • Solo agent: annual coverage-gap review checklist by life stage.
  • Agency: umbrella/limit-adequacy sweep of the book; documented declines.

Red flags

  • Liability limits below client net worth; no umbrella offered.
  • Common exclusions never discussed.
  • Declined recommendations undocumented.

Verification

  • Limits stress-tested vs assets/exposure
  • Key exclusions reviewed and addressed/disclosed
  • Coverage type (RC vs ACV) confirmed
  • Life changes reflected; declined recs documented

Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/insurance-coverage-gap-premortem · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-coverage-gap-premortem.json

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