Insurance Prompts

You are assisting an insurance professional in preparing a plain-English explanation for a client. Simplify the language without interpreting the contract on behalf of the carrier: if a clause is ambiguous, flag it as a question to clarify with the underwriter.

Details of the policy [type of policy, e.g., Homeowners, General Liability, Professional Indemnity] for [client profile, e.g., small business owner, homeowner]: [coverage areas, limits, deductibles, exclusions to explain].

Produce: a 5-point summary of 'What is covered' using real-world examples relevant to this client, a clearly visible 'What is NOT covered' section (as misunderstood exclusions cause the most disputes), an explanation of deductibles and limits with a numerical claim example, and 3 specific questions the client should ask before signing.

Language level: accessible to someone who has never read an insurance policy.

Help me prepare a claim notification for [type of loss, e.g., water damage, equipment breakdown, cyber incident] for [insured: business or individual], under policy [policy type] with [carrier]. Facts: [what happened, when, where, circumstances]. Damages observed: [damages]. Immediate steps taken: [mitigation measures].

Draft the notification: a factual, dated timeline (avoiding admissions of liability or speculation on cause), a precise description of damages, steps taken to mitigate further loss, and contact details for any involved third parties: [third parties].

Include: a checklist of supporting documents for this type of claim (dated photos, purchase invoices, repair estimates, police report for theft), a reminder of applicable reporting deadlines ([deadline if known, otherwise mention standard industry windows like 24-48 hours for theft or 5-10 days for property]), and common mistakes that weaken a claim (discarding evidence before inspection, repairing without approval, inflating or downplaying values).

Prepare a comparison between [number] [type of insurance] policies for a client with the following profile: [profile, industry, situation]. Primary need: [need, e.g., cash flow protection during downtime, fleet coverage, property protection]. Indicative budget: [budget].

Policy data: [for each policy: carrier, coverage, limits, deductibles, notable exclusions, premium].

Build a comparison table based on criteria that matter for THIS specific need (not a generic list): critical coverage, limits relative to the client's actual risk, deductibles, differentiating exclusions, and premium. Rate each policy on each criterion with a one-sentence justification.

End with a reasoned recommendation linking the choice to the expressed need, any reservations or points to verify before binding, and a written summary of the advice (2 paragraphs suitable for documenting professional duty of care).

Draft a formal dispute letter regarding a settlement offer. Context: [Insured] suffered [loss] on [date], reported on [date]. Carrier [carrier] is offering [amount offered], while the estimated loss is [estimated amount], supported by [evidence: quotes, invoices, adjuster report]. Reason given by the carrier: [reason: depreciation applied, sub-limit, invoked exclusion].

Structure: Reference the claim number and loss details, present the disagreement point-by-point (each point backed by a document or policy clause: [relevant clauses if known]), state a specific demand (reevaluation to [requested amount] or independent appraisal), mention the right to escalate to the Insurance Ombudsman or state regulator if unresolved, and request a response within a specific timeframe.

Tone: Firm, factual, non-threatening. Keep to one page. This draft must be reviewed by the user as it does not constitute legal advice.

Prepare the framework for an annual insurance review for [client: profile, business, family or professional status]. Current policies: [list of policies with main coverage and premiums]. Changes this year: [changes: move, new hires, new vehicle, business growth, birth, etc.].

Analysis: Identify probable coverage gaps based on the new situation (uncovered or under-insured risks, with a concrete scenario for each), potential overlaps between policies (and possible savings), coverage that is no longer fit for purpose, and limits that need reevaluation.

Prepare the meeting agenda: discovery questions to update the situation, presentation of findings in order of risk severity, and for each recommendation, a sentence explaining the benefit to the client (never just the product). End with a summary paragraph to be sent after the meeting to document the advice provided.

You are an insurance policy analyst. Read the provided Terms and Conditions to extract the essentials without inventing details: if information is missing from the text, flag it as a point to verify with the carrier.

Text from the policy [type of policy, e.g., General Liability, Health, Home] to analyze: [paste T&Cs or relevant articles].

Produce a four-block summary: 1) The coverage actually provided, each simplified into one sentence, 2) Conditions for application (required declarations, mandatory safety measures, specific triggers), 3) Limits (caps, deductibles, timeframes mentioned in the text), 4) Gray areas or ambiguous wording, with a specific question for each to ask the carrier.

Constraint: Quote the exact passage supporting each finding in quotation marks. Never use general knowledge to fill gaps in the text.

You are an experienced claims manager reviewing a policy to identify anything that could limit a payout. Your only source is the provided text.

Policy to examine: [type of policy] for [insured profile]. Text of coverage and exclusions: [paste relevant clauses].

Establish three lists: 1) Explicit exclusions, each rephrased with a concrete example of how it applies to this insured, 2) Limits and sub-limits found in the text, flagging any that seem low relative to the risk, 3) Less obvious restrictive conditions (requirements for specific security hardware, reporting windows, vehicle or premises criteria).

End with a ranking of the three highest-risk points for this profile and a question for the carrier on each. If the text is incomplete, list what is missing to finalize the analysis.

Transform the following insurance policy into a summary table for a client meeting. Policy: [type of policy] held by [insured profile]. Source text: [paste coverage, deductibles, and limits].

Build a table with columns: Coverage, Simple Description, Limit, Deductible, Main Exclusions, Point to Verify. Only fill cells using the provided text: if information is missing, write 'Not specified in excerpt, check full policy'.

Below the table, add: coverage areas where the limit seems low for this profile, deductibles that might make small claims impractical, and a list of three checks to perform before relying on this table (policy version, endorsements, declarations page).

Format: Markdown table, short sentences, no unexplained jargon.

You are a broker preparing an audit of a client's Business Owner's Policy. Business: [industry, headcount, premises, equipment, stock, approximate revenue]. Current policy coverage: [list coverage with limits and deductibles if known].

Build the audit grid: For each major risk area of this business (premises, equipment, inventory, business interruption, liability, vehicles), indicate the concrete risk for THIS company, the policy coverage intended to address it, your assessment of adequacy (covered, partially covered, not covered, missing info), and the question to ask to confirm.

Specifically flag: insured values that seem underestimated for the activity, industry-specific risks missing from the policy, and coverage that appears unnecessary for this profile.

End with a three-point meeting plan to present the audit to the client, from most critical to least critical.

Help me compare [number] auto insurance quotes for this profile: [driver: years licensed, vehicle use, annual mileage, parking, claims history]. Vehicle: [make, model, age, approximate value]. Quotes received: [for each quote: carrier, plan level, coverage, deductibles, annual premium, add-ons].

Build a comparison grid on explicit criteria relevant to THIS profile: scope of physical damage coverage, actual deductibles by loss type, limits and options (rental reimbursement, roadside, personal property), differentiating exclusions, and annual premium. Rate each quote on each criterion and justify the rating in one sentence.

Add a simple calculation: For a sample loss of [estimated amount], what would the insured receive under each plan after the deductible, based on provided figures.

End with five questions to ask the carriers before signing, focusing on details not specified in the quotes. Only recommend a plan if the data honestly supports it.

Assist in comparing health insurance plans for this household: [household composition, ages, known care needs: vision, dental, hospital, specialists, wellness]. Offers to compare: [for each offer: provider, reimbursement levels or copays per category, monthly premium, waiting periods, included services].

Build a table for each healthcare category actually used by this household, translating reimbursement levels into concrete language: 'For a pair of glasses costing [price], the out-of-pocket cost would be approximately X based on the stated levels.' Use only provided figures without assuming government healthcare rules: flag where a simulation requires missing information.

Highlight: areas where offers truly differ, stated waiting periods, and services with value for this household (PPO/HMO networks, telehealth, wellness programs).

Conclude with questions to ask each provider before enrolling, specifically regarding what the benefit tables do not show.

You are an advisor preparing a comparison of mortgage protection insurance for [profile: age, occupation, smoker status, general health without medical details, hobbies/sports]. Loan details: [amount, term, project type]. Offers to compare: [for each offer: carrier, included coverage, percentages, notable exclusions, total cost or rate].

Build the comparison on: covered risks and their definitions (Total Permanent Disability, Critical Illness, Death, Unemployment if applicable), the claim payment method, exclusions affecting this specific profile (job, sports, travel), and total cost over the loan term.

Note that changing mortgage insurance is regulated and bank requirements for 'equivalent coverage' must be met: each criterion must be verified with the lender and the policy, without making final claims on their behalf.

End with a list of documents and information needed before submitting a substitution request.

Help a self-employed professional compare disability insurance plans. Profile: [industry, status, approx. annual income, fixed business and personal costs, family situation]. Plans to compare: [for each plan: carrier, daily/monthly benefits, elimination periods in days, disability and death benefits, notable exclusions, premium].

Compare the plans through three concrete scenarios based on this profile: a short-term illness of a few weeks, a long-term disability reducing activity, and death. For each scenario and plan, describe what would happen based on the provided terms: when benefits would start, for how long, for what amount, and what the household's remaining shortfall would be.

Flag classic traps to verify in the policy: the definition of disability used (own-occ vs. any-occ), benefit indexing, and activity-related exclusions.

Conclude with a conditional recommendation ('If your priority is X, Plan A stands out') and questions to settle with the carrier before signing.

I am about to sign a [type of policy, e.g., Home, Auto, Health, Professional Liability] with [carrier or broker]. My profile: [situation, assets or activity to insure, past claims, specific concerns]. What I know so far: [coverage, premium, known deductibles].

Prepare a list of questions to ask before signing, organized into four blocks: 1) Coverage (what is covered and specifically what is NOT for MY profile), 2) Financials (deductibles by loss type, limits, premium increases over time, fees), 3) Policy Management (reporting changes, cancellation terms, claim reporting windows), 4) Claims (the actual settlement process, required documents, expected timelines).

For each question, state in one sentence why it matters for this profile and what response should be a red flag. End with the advice to get important answers in writing.

Help me prepare a water damage claim. Context: [property: apartment or house, status: tenant, owner-occupier, landlord]. Facts: [suspected origin if known, discovery date, rooms affected, damaged property]. Neighbors or third parties involved: [affected neighbors, HOA/Management if applicable].

Draft: 1) A factual, chronological narrative for the carrier, dated, without speculating on liability or unconfirmed origins, 2) A room-by-room description of damages, 3) A list of mitigation steps taken or needed (water shut-off, protecting assets, drying) while advising not to discard anything before carrier approval.

Include a list of items to gather: dated photos of damage and origin, invoices or proof of ownership for affected items, repair quotes, and contact info for third parties. Remind the user to check their specific policy for the reporting deadline.

Prepare an auto claim report with me. Context: [type of loss: accident with third party, single-vehicle, vandalism, hit and run]. Facts: [date, time, location, precise circumstances, road conditions]. Vehicle: [make, model, observed damage]. Third parties and witnesses: [involved party and their carrier if known, witnesses, police report if any].

Draft the report: Factual chronology of events without admitting liability or interpreting fault (liability is determined by the carrier), precise description of visible damage, mention of any injuries, reference to the exchange of information or police report.

List documents to attach: photos of vehicles and the scene from multiple angles, witness contact info, police report number for vandalism, recent maintenance records if relevant.

Flag errors that weaken a claim: changing details after the fact, repairing before approval, delaying the report. Advise checking the policy for the specific reporting window.

Help me build a theft claim file. Context: [location: home, business, vehicle], [circumstances: evidence of forced entry, discovery date/time]. Stolen or damaged items: [list with approx. value and purchase date]. Steps already taken: [police report filed, bank cards blocked, etc.].

Structure the file: 1) Factual chronological narrative (discovery, state of premises, signs of entry) without exaggeration, 2) Inventory of stolen items with description, estimated value, and available proof of ownership for each (invoice, photo, bank statement, packaging, manual), 3) List of immediate next steps: police report, necessary blocks/cancellations, carrier notification, preserving the scene for the adjuster where possible.

Remind the user that theft reporting deadlines are often shorter than other losses and must be verified in the policy. End with traps to avoid: cleaning before photos, discarding damaged items, claiming items with zero proof of ownership without flagging it.

Prepare a glass breakage report. Context: [auto or home], [item: windshield, side window, window pane, sliding door, mirror], [circumstances: impact, crack, cause if known, date found].

Draft a short, factual report: what was found, when, under what known circumstances, and the extent of the damage, without assuming an unverified cause.

Add a checklist of things to do BEFORE repairing or replacing: verify if glass coverage is active for this specific item, check the deductible (a small repair might cost less than the deductible), ask the carrier if they require a specific preferred vendor, and get approval before non-urgent work.

List required items: dated photos of the impact and the whole item, invoice or repair quote, proof of purchase for high-value items. Note that emergency board-up/security work must be documented with photos and invoices.

Help me build a claim file following a weather event. Context: [event type: flood, storm, hail, drought/subsidence, other], [affected asset: home, business, vehicle], [date of event, observed damage].

Structure the file: 1) Factual chronology (event, discovery, emergency steps), 2) Room-by-room damage inventory with dated photos before any final cleanup, 3) Mitigation steps taken and emergency invoices saved.

Explain in general terms the distinction between standard policy coverage (wind, hail) and official disaster declarations (like FEMA in the US or specific government mandates elsewhere): mention the need to track local declarations and verify carrier-specific deadlines. Do not state specific dollar amounts or legal rules.

Provide a list of contacts (carrier, local government, HOA) and a short message template to notify the carrier immediately, even if the full file follows later.

Draft a cancellation letter for the following policy: [type: auto, home, etc.], number [policy number], with [carrier] since [approx. start date]. Reason: [switching carriers, rate increase, coverage mismatch]. New carrier if applicable: [new carrier].

The letter must: reference the policy and insured details, request cancellation based on applicable consumer rights (e.g., mid-term rights for auto/home in certain jurisdictions), state that eligibility and effective dates should be confirmed per policy terms, and request a written confirmation of the end date and a pro-rata refund of any unearned premium.

Tone: Professional, firm, without excessive justification. Max half a page.

Add a checklist: verify eligibility for mid-term cancellation, ensure no gap in coverage between old and new policies, and keep proof of mailing/delivery.

Prepare the annual renewal cancellation for: [policy type], number [number], carrier [carrier], renewal date [date if known]. Reason: [reason].

Draft the preliminary checklist: find the exact renewal date and required notice period in the T&Cs, check if a renewal notice was received and its terms, ensure replacement coverage is in place before the end date.

Draft the letter: policy references, formal request to cancel at the next renewal date respecting the contractual notice period, request for written confirmation of the effective date.

Tone: Direct and unambiguous. End with a reminder: send via a method providing proof of delivery and never remain uninsured for mandatory or essential risks.

My situation has changed and I need to cancel or adjust a policy. Change: [describe: move, sale of asset, job change, household change]. Policy: [type, carrier, number]. Goal: [cancel, reduce coverage, transfer to new asset].

Produce: 1) A cautious explanation of the process: certain life events may allow for mid-term adjustments or cancellation, but exact conditions must be verified in the policy T&Cs and with the carrier, 2) The request letter: factual account of the change and its date, attached proof [available proof], clear request (cancellation or endorsement), and request for written confirmation, 3) Checklist: do not leave an asset in your possession uninsured, check the premium impact, and request a pro-rata refund if applicable.

Tone: Factual, max one page.

Draft a letter to the complaints department of [carrier]. History: [summarize dispute: claim or request, key dates, previous interactions, responses or silence]. References: [policy number, claim number]. Specific demand: [demand: reevaluation, payment, correction, reasoned response].

Structure: 1) Explicit subject line mentioning 'Formal Complaint' and references, 2) Factual chronology of interactions with dates (each point backed by a letter, email, or logged call), 3) Statement of disagreement distinguishing between facts, policy terms [cite clauses if known], and the requested outcome, 4) Request for a written response within a reasonable timeframe, 5) Mention that failing a satisfactory response, escalation to the Ombudsman or regulator will be considered.

Tone: Firm, professional, no threats or emotional appeals. One page. Remind the user to keep a copy and proof of delivery.

Help me prepare a case for the Insurance Ombudsman (or equivalent regulator). Dispute: [nature: denied claim, insufficient payout, contested cancellation]. Carrier: [carrier]. History: [steps taken: written complaint, responses received, dates].

Clarify first, in general terms: Mediation usually requires exhausting the carrier's internal appeals process first. Exact filing requirements (forms, deadlines) must be verified on the Ombudsman’s official website.

Prepare the file: 1) A one-page summary: dated facts, carrier's position, my position, specific demand, 2) A complete table of the dispute chronology (date, event, associated document), 3) Inventory of documents to attach: policy T&Cs, written correspondence, any expert reports, proof of loss, 4) The escalation text: factual, avoiding amateur legal jargon, focused on the specific disagreement.

Flag any weaknesses in my case so I can address them honestly.

Draft a letter disputing a premium increase. Context: [policy, carrier], increase observed: [old premium, new premium, reason given by carrier if known: claims history, surcharge, general rate hike]. My analysis: [why the increase seems unjustified: non-fault claim, error in file, lack of explanation].

Structure: Reference policy history, factual statement of the increase with figures, request for a detailed written explanation of the calculation and reason, reasoned dispute based on provided facts and documents [available docs: renewal notice, claim history], specific request (reversal, recalculation, justification).

Do not cite specific regulatory caps: ask the carrier to justify their own math. Advise checking policy terms regarding rate adjustments. Mention that if unresolved, a formal complaint or switching carriers are options.

Tone: Factual and firm, max one page.

My insurance claim has stalled. Context: [type of loss] reported on [date] to [carrier], claim number [number]. Last update: [last interaction, any promises made, status of inspection]. What I am waiting for: [adjuster visit, settlement offer, payment, simple reply].

Draft a written follow-up: Reference the claim and chronology (report, interactions, carrier commitments with dates), factual statement of the lack of progress, specific request with a reasonable deadline for a response, polite mention that a formal complaint will be filed if the matter remains unresolved.

Provide a three-step escalation plan if this fails: second follow-up referencing the first, formal complaint to the carrier's internal department, then Ombudsman escalation. For each step, indicate what evidence to save.

Tone: Firm but professional: the goal is to move the file, not create hostility. Max one page.

You are an insurance advisor preparing an explanation of deductibles for a client who just discovered they have out-of-pocket costs. Policy: [type], deductibles: [amounts or calculation methods as written in the policy].

Produce: 1) A plain-English explanation of what a deductible is and why it exists (risk sharing, premium reduction), 2) Two or three numerical examples based ONLY on THEIR policy deductibles: 'For a loss of X, the payout would be approximately Y based on your policy,' noting that the final calculation is done by the carrier, 3) Explanation of different deductible types if the policy combines them (flat fee, percentage, waiting period), 4) Answers to two common frustrations: 'Why do I pay for insurance if I still have to pay?' and 'Can I reduce the deductible and at what cost?'

Tone: Empathetic, concrete, never condescending.

Explain the concept of depreciation/Actual Cash Value (ACV) to an insured whose payout was reduced. Context: [loss, damaged item: roof, furniture, appliance], [approx. age of item], [what the carrier announced: rate or amount of depreciation].

Produce: 1) A simple explanation: the idea that an older item is not reimbursed at the price of a new one, using a relatable everyday analogy, 2) The general difference between ACV and Replacement Cost Value (RCV), stating that RCV coverage depends entirely on their specific policy terms, 3) A list of questions for the adjuster: how the rate was calculated, what depreciation schedule was used, what documents could revise it (receipts, maintenance logs, pre-loss photos), 4) General ways to dispute a rate if it seems excessive: providing evidence, discussing with the adjuster, or independent appraisal.

Do not state specific rates: all figures must come from the provided file.

Help me understand a settlement offer before I accept it. Claim: [type, date]. Offer received: [paste or describe: amounts, covered items, deductions applied, specific notes]. My estimate of loss: [amount and basis: quotes, invoices].

Analyze the offer: 1) Break down the proposed amount item-by-item based on the document (covered losses, deductions like deductibles or depreciation, applied limits), flagging any missing items from my estimate, 2) Compare with my estimate and identify exactly where the gaps are, 3) List questions for the carrier for each gap or unjustified deduction, 4) Outline general options: accept, ask for clarification, negotiate with evidence, or request appraisal, reminding to check policy terms before acting.

Note what accepting an offer usually implies (closing that part of the claim) and advise only signing once every line is understood. Do not validate the amount: your role is to clarify.

A carrier-appointed adjuster is scheduled to visit following my loss. Context: [type of loss, date, main damage], [scheduled date], [emergency repairs done if any].

Prepare a three-phase plan.

Before: Checklist of documents to organize (claim report, dated photos from discovery, invoices/proof of ownership, repair quotes, emergency work invoices) and scene preservation: do not discard evidence, do not perform permanent repairs without approval, keep damaged parts for inspection.

During: Points to methodically show the adjuster room-by-room, the right posture (factual, precise, neither downplaying nor exaggerating), and questions to ask: what they are recording, the timeline for their report, and if anything is missing from the file.

After: Write down what was said and shown, ask how to obtain the report findings, and know that if you disagree, recourse options (discussion, independent appraisal) exist and should be checked in the policy.

Create a prevention checklist for my home. Context: [home type, age, features: fireplace, pool, alarm, outbuildings], [concerns: fire, water, burglary, weather], [known policy requirements: specific locks, maintenance].

Produce a risk-organized checklist: for each point, list the action, frequency (one-time, annual, seasonal), and priority. Cover at minimum: Water (hoses, seals, shut-off valve location, maintenance), Fire (detectors, chimney sweep, electrical, flammable storage), Burglary (locks, absence habits, valuables), Weather (roof, gutters, vegetation, outdoor furniture).

Add a 'Policy' section: Remind that some policies condition coverage on specific measures (lock types, alarms, documented maintenance) and list points in MY policy to re-read for requirements. Advise keeping maintenance proof (receipts for chimney sweeps, HVAC service).

Format: Checklist with action-oriented verbs.

Help a business owner build a prevention plan for their premises. Business: [industry, premises type, critical equipment, stock, headcount]. Feared losses: [fire, water, theft, critical equipment failure, other]. Known policy requirements: [measures imposed by carrier: extinguishers, alarm, safe].

Build the plan in three parts: 1) Physical prevention by risk: concrete actions for THIS business (protecting critical gear, storage, periodic inspections, access management) with frequency and assigned roles, 2) Business Continuity: for each critical asset, ask 'what do we do if we lose this tomorrow' and provide a simple backup (off-site data, backup supplier, rental gear), 3) Insurance Compliance: measures the policy requires or rewards, to be verified in T&Cs, and evidence to archive (maintenance contracts, inspections).

End with a three-month implementation schedule, starting with low-cost, high-impact items.

A weather event is forecasted for my area: [type: storm, heavy rain, flood, freeze], timing: [timeframe]. Asset: [home or business, features: floor level, basement, outdoor area, vehicles].

Prepare a two-part action plan.

Protection: Concrete steps to take before the event, ranked by priority and time: securing vehicles and outdoor items, tying down structures, protecting openings, elevating items in flood zones, backing up important docs, taking 'BEFORE' photos as a reference for claims.

Insurance File: Gather useful documents now: policy and T&Cs, inventory or photos of valuables, major invoices, carrier contact info. Remind that after the event, they must report quickly, document before cleaning, save damaged items/emergency receipts, and check policy for specific coverage and deadlines.

Format: Chronological checklist.

Help me create an asset inventory for insurance. Context: [home or business, main rooms], goal: [verify personal property limits, prepare for a new policy, be ready for a claim]. Notable items: [valuables: jewelry, tech, instruments, art, pro gear].

Produce: 1) A room-by-room inventory method, with columns for: description, approx. purchase date, estimated value, available proof (invoice, photo, bank record, certificate), 2) A ready-to-fill table template, 3) Evidence tips: wide-angle room shots plus detailed shots of valuables, digital invoice storage off-site (cloud/email), dating photos, 4) A guided total value estimation to compare with current policy limits, noting that under-insurance can reduce payouts and over-insurance wastes premium, 5) A reminder for annual updates and after major purchases.

Flag items that often require specific riders (scheduled personal property), to be checked in the policy.

I am [profile: individual or business owner] and I have a meeting with a broker for [purpose: review policies, cover new risk, reduce premiums]. Current policies: [list with carrier and approx. premium]. Recent changes: [relevant life/business changes].

Prepare for me: 1) A list of documents to bring for a productive meeting (current policies, renewal notices, loss runs/claims history, details on assets/activity), 2) Clearly stated, prioritized goals with expected outcomes, 3) Questions for the broker, including their own operations: which carriers they represent, how they are compensated, and their role during a claim, 4) Red flags: avoid signing under pressure, request all proposals in writing with full terms, and have every difference from current coverage explained.

Format: One-page prep sheet.

You are a commercial insurance broker. Prepare a coverage audit questionnaire for this prospect: [industry, size, age, known current policies].

Build a funnel-style questionnaire: 1) Actual Operations: what the company does precisely, for whom, with which critical vendors, and work on third-party sites (official codes often hide real risk), 2) Assets: premises, equipment, stock, vehicles, IT systems and digital dependency, key personnel, 3) Flows: revenue, seasonality, largest clients, contracts requiring specific insurance limits, 4) Existing Setup: current policies, past claims, prevention measures, 5) Owner Concerns: what keeps them up at night, what would stop the business tomorrow.

For each question, add in italics what it helps detect (coverage gap, undervalued asset, useless rider, uninsurable risk to be managed by prevention).

Format: Questionnaire for a one-hour meeting, with 'must-ask' questions marked.

Draft an insurance quote request email that minimizes back-and-forth. Recipient: [carrier or broker]. Need: [policy type: Home, Auto, Professional Liability, BOP, Health, Disability]. My situation: [relevant info: asset or activity to insure, features, value, use, claims history, current policy and renewal date].

The email must include: 1) A two-sentence summary of the need, 2) A structured block with all info a carrier needs for this risk type (asset features, safety measures, loss history, desired limits), 3) Explicit expectations: coverage areas that matter most, what to include in the quote (limits, deductibles, notable exclusions, premium breakdown), 4) A request for a call if details need discussion, 5) A desired response date.

At the end of your response, flag any missing info in my situation that might delay the quote. Tone: Professional and direct.

You are an advisor explaining a policy endorsement (rider) to a client. Policy: [type]. Endorsement content: [paste or describe: modified coverage, new amounts, new premium, reason for change]. Context: [why now: client request, carrier review, reported change].

Draft the client explanation: 1) In one sentence, what an endorsement is (a modification that adds to the policy without replacing it), 2) A before/after table limited to actual changes: coverage, amounts, deductibles, premium, effective date, 3) The concrete impact, illustrated by a claim scenario where the difference would be visible, 4) What is NOT changing to avoid unnecessary worry, 5) Two or three points to check together: effective date, how it fits with existing terms, and any ambiguous wording to clarify with the carrier.

Tone: Educational, without downplaying any reduction in coverage: duty of care requires clear disclosure.

You are a broker or agent announcing a premium increase to a client. Context: [policy, old and new premium], cause given by carrier: [reason: client claims, market-wide hike, risk evolution], client profile: [profile, tenure, recent claims].

Draft the message (email or call script per [chosen channel]): 1) Clear announcement at the start with exact figures, 2) Honest explanation of the cause without inventing justifications or making promises outside your control, 3) Factual perspective: what the policy has covered or would cover, and trends over several years if data is provided, 4) Concrete options for the client: reviewing coverage levels, adjusting deductibles, or re-marketing the policy, with honest consequences for each, 5) A meeting request to decide next steps.

Tone: Direct and respectful. The client should feel you are advocating for them, not the carrier's rate. Max one page.

Help an insurance professional document their duty of care/advisory after a meeting. Meeting: [date, client profile, purpose: new policy, renewal, modification, refusal of coverage]. Content: [needs expressed, info gathered, recommendations made, reservations expressed, client decision].

Draft the advisory note: 1) Summary of needs and info provided by the client (stating advice relies on its accuracy), 2) Solution(s) presented with essential features (coverage, limits, premium), 3) The specific recommendation and its justification linked to the need, 4) Warnings given, especially if the client chose lower coverage than recommended or refused a specific rider: state the refusal and possible consequences factually, 5) Final client decision and agreed next steps.

Constraint: Use facts and dates, no self-justification. The note must be clear if reviewed years later. End with a sentence asking the client to confirm this reflects the discussion.

Build a discovery sheet template for an insurance professional meeting a new client. Target: [client type: individuals, self-employed, small business owners]. Use case: [first meeting, phone call, pre-meeting form].

The sheet must cover: 1) Situation: family/business, dependents/key staff, main assets, high-level income/expenses, 2) Existing Setup: current policies with carriers, main coverage, premiums, renewal dates, past claims, 3) Perceived vs. Actual Risks: what worries the client vs. what their situation objectively exposes (categorized by assets, liability, people, income), 4) Priorities: top three protections, total budget, sensitivity to deductible vs. premium, 5) Next Steps: documents to collect, points to research, next contact.

For each section, provide naturally phrased questions as they would be asked in a meeting. Format: Structured two-page sheet ready to fill.

You are a broker or agent. Draft a re-engagement message for a client you haven't spoken to in a while. Client: [profile, policies held, tenure, last interaction]. Context: [why now: annual review, industry trend, new service, simple check-in]. Channel: [email, letter, SMS, call].

The message must: 1) Honestly acknowledge the lack of contact without over-apologizing, 2) Give a useful reason to talk focused on THEM: life/business changes (home, staff, equipment, income) that often make policies outdated without anyone noticing, 3) Offer a low-pressure format: a 15-minute check to ensure coverage still fits, 4) Make it easy to reply: two proposed times or a booking link [link/method].

Tone: Professional and warm, zero guilt, zero sales pressure. Must feel like serious service, not a campaign. Provide two variants: one formal, one personalized.

My situation is changing and I need to notify my carriers. Change: [describe: move, renovations, new occupant, change in asset use, business evolution, new equipment]. Policies held: [list with carriers].

Produce: 1) An analysis of policies likely impacted by THIS change, with what needs to be reported for each and why (the insured risk has changed), 2) A template notification letter/email: factual, dated account of the change, policy reference, explicit request for written confirmation of impact on coverage/premium, attached proof [available proof], 3) A vigilance checklist: report without delay (improperly declared risk can affect future claims, check policy for exact consequences), do not cancel old coverage before the new risk is bound, keep proof of notification, and review the resulting endorsement.

End with questions to ask the carrier to ensure coverage remains adequate.

Help me verify if the insured sums in my policy still reflect reality. Policy: [type: Home, BOP, Disability]. Current declared values: [amounts: personal property, building value, stock, monthly benefit]. Current situation: [what has changed or grown: purchases, renovations, stock levels, income].

Produce: 1) A simple estimation method for each value, adapted to the policy, listing what to include and common omissions (outbuildings, home office gear, recent assets), 2) A comparison between the estimate and declared values with a percentage gap, 3) A general explanation of the two risks: under-insurance (which can reduce payouts via coinsurance or pro-rata rules) and over-insurance (wasted premium), noting that exact rules depend on the policy, 4) A template message to the carrier requesting an adjustment and a quote for the endorsement.

Format: Numbered steps followed by the message.

Review my policies to find overlaps. Policies and services held: [list all: home, auto, health, disability, premium credit cards, niche insurance: phone, travel, school, gadgets].

Analysis: 1) Build a cross-reference table: rows for protections (assistance, legal defense, travel, accidental damage, liability, etc.), columns for policies, with a checkmark where a policy seems to provide coverage based on info provided, 2) Identify probable overlaps: protections checked multiple times, explaining that generally a single loss isn't reimbursed twice (exact terms to be verified), 3) Prioritize potential savings: policies or riders that are likely redundant, 4) List checks to perform before canceling: truly equivalent limits, compared deductibles, differing triggers.

Conclude with an ordered action plan: what to verify, what to adjust, and what to cancel last.

Help me read and verify my auto insurance history report (e.g., CLUE report or carrier loss run). Document: [paste or describe: period, drivers, listed claims with dates and fault, rating factors]. My memory: [claims I remember, dates, fault].

Produce: 1) A general explanation of what this document is: a summary of driver and policy history used by carriers for underwriting, 2) A guided reading of MY report, section by section, explaining each entry based on the document without inventing math: if a score or factor is listed, explain its role generally and refer to the carrier for exact calculation, 3) A comparison with my memory: list discrepancies (extra claim, wrong fault code, missing driver) and for each, the message to send the carrier to request clarification or correction with supporting evidence, 4) Usage tips: when to request this report, verifying it before getting quotes, and keeping it on file.

Tone: Educational and factual.

You are a commercial insurance advisor. Map the insurance needs for this business: [industry, legal form, headcount, approx. revenue, premises: own or rent, equipment and stock, vehicles, digital dependency, main clients: B2C or B2B].

Produce a risk map in four categories: 1) Assets (premises, gear, stock, transit), 2) Liabilities (damage to clients/third parties, products/services, lease liability), 3) People (owner and staff: disability, health, life), 4) Operations (business interruption, dependency on equipment/people/clients, cyber risk).

For each risk: A concrete scenario with an estimated order of magnitude based on provided data, the general policy type that addresses it, and priority (Vital, Important, Optional). Flag insurances that may be legally or contractually mandatory for this industry, advising verification with relevant authorities.

Conclude with five questions to ask a carrier to turn this map into a serious quote.

You are a broker preparing a written explanation for a business owner who confuses Professional Liability (Errors & Omissions) and General Liability. Business: [industry, size, typical situations: client visits, third-party sites, technical/intellectual services].

Draft the explanation in general, educational terms: 1) The core distinction: one typically covers physical accidents/property damage during daily operations, the other covers financial loss resulting from the professional service or advice itself, stating that exact scope varies by policy, 2) Three concrete scenarios from THEIR business, indicating which coverage would likely apply and why, with the note 'subject to policy terms', 3) Common traps: assuming one covers everything, narrow industry descriptions, subcontractors, 4) Specific questions to ask the carrier to find where the line is drawn in THEIR specific policy.

Format: Clear one-page layout with scenario boxes.

Help a contractor understand their long-term construction liability and required insurance. Profile: [trade, actual work performed, tenure, status, typical projects]. Current situation: [insured or not, current policy, activities declared, specific questions].

Produce a comprehensive, cautious overview: 1) General explanation of construction liability: the responsibility for serious defects affecting a structure after completion, noting that exact scope, required coverages, and legal obligations for THEIR trade must be verified with the carrier and trade associations, 2) The critical point of 'declared activities': the danger of performing work outside the policy's stated scope, with two concrete examples based on their trade, 3) Administrative checklist: certificates, required mentions on quotes/invoices, and project documentation (contracts, sign-offs, photos), 4) Questions for their carrier: covered activities, subcontracting, specific project types, territorial limits.

Tone: Concrete, job-site oriented.

Help a business owner decide if they need cyber insurance and prepare for the application. Business: [industry, size, digital dependency: e-commerce, client data, invoicing, pro tools, remote work], past incidents: [phishing, downtime, data loss].

Produce: 1) Exposure diagnostic: for this business, the most plausible cyber scenarios (system lockout, data breach, wire transfer fraud, site downtime) with the concrete impact in lost days and probable costs, based on provided data, 2) What cyber insurance generally covers (crisis management, data recovery, business interruption, third-party liability), noting that content varies wildly and must be checked line-by-line, 3) Questions for the carrier: exclusions, required security measures (MFA, backups, updates) and consequences for non-compliance, sub-limits per scenario, included 24/7 assistance, 4) Prevention measures to implement regardless of insurance.

Format: Diagnostic followed by a question checklist.