Insurance coverage gap premortem

Skill deciqAI/knowledge-skills/insurance-coverage-gap-premortem

Open-source thinking-framework skills that make rigorous reasoning executable for AI agents — first-principles, inversion, second-order thinking, Occam's razor, Bayesian reasoning. Built by deciqAI.

Install

npx -y skills add deciqAI/knowledge-skills --skill insurance-coverage-gap-premortem

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

One thing to look at

3 stars3 stars. Stars are a popularity signal and not a quality one, but at this level it is likely that nobody has read this closely except its author, and you would be relying on your own review.

What its author says it does

Copied from the file, not written here

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/s/insurance-coverage-gap-premortem

SKILL.md

2.8 KB, 577 tokens by cl100k_base, as published. Nobody here has run it

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 — 233 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/s/insurance-coverage-gap-premortem · Built by deciqAI · github.com/deciqAI · Contributions welcome.

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