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.
skills/policy-renewal-review/SKILL.md
Source commit e0009a385c480fb0b5687e7412df67c7c64f7cee
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- Last checked
- Nov 12, 2026
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- Repository last updated
- Nov 11, 2026
- License
- MIT
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SKILL.mdcore · 5,887 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
