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underwriting-narrative

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Write the underwriting file narrative for a risk: the risk story, exposure quantification, loss-history read, mitigating and aggravating factors, terms and subjectivities rationale, appetite fit, and a refer-or-bind recommendation. Use when asked to write up an underwriting file, document why we're writing a risk, prepare a referral to a senior underwriter, or justify terms and exclusions on a submission. Produces a complete underwriting narrative ready for the file or referral.

plugins/pm-insurance/skills/underwriting-narrative/SKILL.md

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Nov 9, 2026
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# Underwriting Narrative Skill

An underwriting file must let a peer reconstruct *why* the risk was written, at those terms, at that price — years later, possibly in front of an auditor or a large loss. This skill writes that narrative: the risk story, the numbers behind it, and the reasoning connecting them to the terms offered.

## What This Skill Produces

- A risk story (who the insured is, what they do, why they're buying now)
- Exposure quantification (values at risk, limits deployed, estimated/probable maximum loss)
- A loss-history read distinguishing frequency from severity signals
- Mitigating and aggravating factors, weighed
- Terms rationale — subjectivities, exclusions, deductibles, each with a reason
- Appetite fit and a refer-or-bind recommendation

## Required Inputs
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