Individual skill
policy-renewal-review
Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing expectations, frame market alternatives, and arm the broker negotiation. Use when asked to prepare for a policy renewal, review cover before renewal, check if limits are still adequate, or build renewal negotiation points. Produces a structured renewal review with gap findings, limit assessment, pricing outlook, and negotiation points.
plugins/pm-insurance/skills/policy-renewal-review/SKILL.md
Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb
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- Yes
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- Yes
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- Observed behavior
- Network or broad shell
- Last checked
- Nov 9, 2026
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- Repository stars (not skill ratings)
- 1,540
- Repository last updated
- Nov 10, 2026
- License
- MIT
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SKILL.mdcore · 5,772 bytes
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# Policy Renewal Review Skill
Renewals fail quietly: the business changed, the policy didn't, and the gap surfaces at claim time. This skill runs the pre-renewal discipline — does the cover still match the operations, are the limits still real money, what will the claims record do to price, and what should the broker push for.
## What This Skill Produces
- A coverage-gap scan: current operations vs current wording
- A limit-adequacy assessment against inflation and exposure growth
- A claims-experience read with its likely pricing impact
- Market-alternatives framing (remarket, restructure, retain more, hold)
- A prioritised list of broker negotiation points
## Required Inputs
