How do I install the Insurance Coverage Gap Premortem skill?

Run npx skillmds@latest add deciqai/insurance-coverage-gap-premortem in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Insurance Coverage Gap Premortem safe to use?

This skill has not completed SkillMD's automated safety review yet. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Insurance Coverage Gap Premortem?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Insurance Coverage Gap Premortem free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Insurance Coverage Gap Premortem?

deciqAI (@deciqai) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Insurance Coverage Gap Premortem by deciqai

Name: Insurance Coverage Gap Premortem
Author: deciqAI

Insurance Coverage Gap Premortem

Activate when: an insurance agent should stress-test a client's coverage before a claim exposes a gap; 'is this client actually covered', policy review, exclusions/limits/underinsurance; E&O risk. Do NOT activate when: no coverage is being placed or reviewed. More: deciqai.com/s/insurance-coverage-gap-premortem

deciqAI Updated Sep 17, 2026

File contents

Insurance Agent — Coverage-Gap Premortem

Industry front door for premortem. Adds domain triggers, example, packs. Parent Process unchanged. Not legal/coverage advice.

Activate when: placing or reviewing coverage; annual policy review; a client with growing assets/liability; protecting against an uncovered-claim + E&O event. Do NOT activate when: no coverage decision in play.

Why this variant

The parent premortem imagines the failure and works backward. In insurance the failure is a denied/underpaid claim because of a gap — which harms the client and exposes the agent to an E&O suit. Premortem finds the gaps while they're still fixable.

Domain inputs → the parent's Process

Imagine a claim was denied/underpaid — why?

Limits too low (dwelling underinsured, liability under net worth) → recommend umbrella.
Exclusions bite (flood, earthquake, business-use, water backup) not disclosed/added.
Coverage type wrong (ACV vs replacement cost).
Life changes not reflected (new business, teen driver, home addition, rental).
Document every recommendation the client declined (E&O defense).

Worked example

Client's net worth grew to $2M; still on minimum auto liability, no umbrella. → Premortem: an at-fault accident exceeds limits → personal assets exposed + "why didn't my agent tell me" E&O claim. Recommend umbrella now; if declined, document the offer and rejection.

Packs

Solo agent: annual coverage-gap review checklist by life stage.
Agency: umbrella/limit-adequacy sweep of the book; documented declines.

Red flags

Liability limits below client net worth; no umbrella offered.
Common exclusions never discussed.
Declined recommendations undocumented.

Verification

Limits stress-tested vs assets/exposure
Key exclusions reviewed and addressed/disclosed
Coverage type (RC vs ACV) confirmed
Life changes reflected; declined recs documented

Part of deciqAI Knowledge Skills — 237 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/s/insurance-coverage-gap-premortem · Built by deciqAI · github.com/deciqAI · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-coverage-gap-premortem.json

---name: insurance-coverage-gap-premortemdescription: Activate when: an insurance agent should stress-test a client's coverage before a claim exposes a gap; 'is this client actually covered', policy review, exclusions/limits/underinsurance; E&O risk. Do NOT activate when: no coverage is being placed or reviewed. More: deciqai.com/s/insurance-coverage-gap-premortem---# Insurance Agent — Coverage-Gap Premortem> **Industry front door for [premortem](../premortem/SKILL.md).** Adds domain triggers, example, packs. Parent Process unchanged.> **Not legal/coverage advice.****Activate when:** placing or reviewing coverage; annual policy review; a client with growing assets/liability; protecting against an uncovered-claim + E&O event.**Do NOT activate when:** no coverage decision in play.## Why this variantThe parent [premortem](../premortem/SKILL.md) imagines the failure and works backward. In insurance the failure is a **denied/underpaid claim because of a gap** — which harms the client and exposes the agent to an E&O suit. Premortem finds the gaps while they're still fixable.## Domain inputs → the parent's ProcessImagine a claim was denied/underpaid — why?- Limits too low (dwelling underinsured, liability under net worth) → recommend umbrella.- Exclusions bite (flood, earthquake, business-use, water backup) not disclosed/added.- Coverage type wrong (ACV vs replacement cost).- Life changes not reflected (new business, teen driver, home addition, rental).- Document every recommendation the client declined (E&O defense).## Worked exampleClient's net worth grew to $2M; still on minimum auto liability, no umbrella.→ Premortem: an at-fault accident exceeds limits → personal assets exposed + "why didn't my agent tell me" E&O claim. Recommend umbrella now; if declined, document the offer and rejection.## Packs- **Solo agent**: annual coverage-gap review checklist by life stage.- **Agency**: umbrella/limit-adequacy sweep of the book; documented declines.## Red flags- Liability limits below client net worth; no umbrella offered.- Common exclusions never discussed.- Declined recommendations undocumented.## Verification- [ ] Limits stress-tested vs assets/exposure- [ ] Key exclusions reviewed and addressed/disclosed- [ ] Coverage type (RC vs ACV) confirmed- [ ] Life changes reflected; declined recs documented---*Part of **deciqAI Knowledge Skills** — 237 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. **See it run → https://www.deciqai.com/s/insurance-coverage-gap-premortem** · Built by deciqAI · github.com/deciqAI · Contributions welcome.**Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/insurance-coverage-gap-premortem.json*

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