Policy Renewal Gap Auditor v1.0

Install

Start with the ZIP package, then choose the AI tool workflow that fits your setup.

1. Download policy-renewal-gap-auditor.zip (5.8 KB).
2. Open the package and read SKILL.md, plus any included references, templates, or scripts.
3. Use the instructions directly in any AI tool that supports reusable instructions, project knowledge, custom agents, or uploaded reference files.

For Claude Code, unzip into ~/.claude/skills/ so the folder lands at ~/.claude/skills/policy-renewal-gap-auditor/, then reload Claude Code. For Claude.ai, upload the same ZIP from Customize → Skills.

Use with other AI tools

This package is not locked to one vendor. If your AI tool does not support Claude-style skills, copy the core instructions from SKILL.md into the tool's custom instructions, project prompt, agent setup, or reusable prompt library.

• Upload or paste any included reference files as project knowledge where your tool supports it.
• Keep the output format from SKILL.md intact so results stay predictable.
• Run a small test with your own data before using the workflow in production.

Compatibility depends on the features your AI tool provides. Treat scripts as optional local helpers unless your environment can run them safely.

Claude installation reference

If you manage more than a dozen insurance policies, you know the drift. A liability limit that hasn’t changed in three years. A property schedule that still lists a warehouse you sold. A client whose business pivoted but the coverage didn’t follow. The data is all in your renewal list — the problem is seeing it before the renewal date forces a rushed, reactive conversation.

Quick scan

• Best for: insurance brokers, account managers, and financial advisors who handle policy renewals quarterly or annually.
• Output: a tiered action plan — policies flagged red (gap needs immediate attention), yellow (review before renewal), green (renew as is) — with specific recommendations for each.
• Inputs: a spreadsheet of policies with renewal dates, coverage lines, client profiles, and loss history.
• Time saved: you go from manual cross‑checking to a client‑ready report in under 10 minutes.
• Caveat: the skill highlights what the data shows; human judgment is still needed for client relationships, market conditions, and underwriting appetite.

What it does

Policy Renewal Gap Auditor is an AI workflow skill that reads your policy renewal spreadsheet and runs a structured audit. It compares current policy terms against client profiles, loss runs, and market changes you supply. It then produces a tiered action plan that ranks every policy by urgency, explains why it’s flagged, and suggests next steps — from a coverage increase to an upsell conversation.

It doesn’t replace your agency management system. It sits between your raw data and your client meeting prep, performing the dreary side‑by‑side analysis that usually eats half a day.

When to use it

• Before quarterly or annual renewal cycles when you need to prep client calls.
• When onboarding a new book of business and you need a fast coverage audit.
• After a client reports a claim or operational change that may invalidate existing coverage.

When not to use it

• For real‑time underwriting or binding decisions.
• When the spreadsheet has fewer than 10 policies — the setup may not be worth it.
• If you need to compare policy forms word‑for‑word (bring in a coverage specialist).

How to install and use

1. Download the skill ZIP and place the folder in your AI workflow skills directory.
2. Prepare your policy data as a CSV or tab‑delimited spreadsheet with columns for: Insured Name, Policy Number, Coverage Line, Limit, Deductible, Expiration Date, Premium, and any recent loss or operational changes.
3. Start a Claude Code session and run: Audit my policy renewal spreadsheet for [period] and flag gaps. Attach the file.
4. The skill will prompt for optional context (e.g., “Any recent claims?”, “Any changes in client operations?”). Supply what you have.
5. Review the output — a section for red, yellow, and green policies, plus a summary.

A concrete example

A mid‑size brokerage prepares for Q3 renewals. The account manager uploads a sheet with 87 commercial policies. The skill identifies:

• 2 reds — a contractor policy with liability limits unchanged for four years despite revenue growth, and a manufacturer whose workers’ comp hasn’t been adjusted after a shift to warehouse‑only operations.
• 14 yellows — policies where limits are near industry benchmarks but could be improved, or where a cross‑sell (cyber, umbrella) is available.
• 71 greens — policies that are adequate and on track.

The manager spends 40 minutes vetting the red flags and calls the top two clients that afternoon. Both conversations lead to coverage adjustments and an additional $12k in premium.

Limitations

• The skill relies on structured input; if your spreadsheet is inconsistent or missing fields, results degrade.
• It can’t predict market hardening or carrier‑specific rate changes — it only flags what the current terms suggest.
• For nuanced coverage forms (e.g., manuscript endorsements), the skill may under‑flag gaps that a specialist would catch.

Download

Grab the ZIP and drop it into your Claude Code folder. The skill includes the auditing instructions, a tiered output template, and a checklist for final review.

Related skills

• B2B Deal Room Objection Mapper — if you’re selling insurance solutions, use this to structure client pushback.
• Financial Advisor Client Portfolio RAG — for advisors blending insurance and investments.

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