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coverage-gap-analysis

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Map an organisation's risks against its insurance policy portfolio to find what's uncovered, underinsured, or double-covered. Use when asked to run a coverage gap analysis, review an insurance programme against a risk register, check what risks aren't insured, or audit a policy portfolio. Produces a risk-by-coverage matrix, flagged gaps and overlaps, a deductible stack review, and recommendations ranked by expected-loss severity.

plugins/pm-insurance/skills/coverage-gap-analysis/SKILL.md

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Nov 10, 2026
License
MIT

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# Coverage Gap Analysis Skill

Organisations rarely know what they're *not* insured for until the loss arrives. This skill crosses the risk register against the policy portfolio and makes the gaps, the thin spots, and the accidental overlaps visible — then ranks the fixes by how badly the gap could hurt.

## What This Skill Produces

- A risk register × coverage matrix (which policy responds to which risk)
- Flags per risk: covered / uncovered / underinsured / double-covered / consciously retained
- A deductible stack review (total retained exposure across lines vs risk tolerance)
- Recommendations ranked by expected-loss severity

## Required Inputs

Ask for missing items; if no formal risk register exists, build a first-pass one from the business description and label it `[draft register — validate with management]`:
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