Commercial Broker Guide has published a free library of AI skills and Grok bots for independent insurance agents. Each skill is a small folder of instructions that Claude reads before it does a job, so it follows a set method instead of guessing. The whole library is free at commercialbrokerguide.com/skills.
We built it because agencies are already using AI, often without a plan. The Big "I" 2026 Agency Universe Study, reported by Insurance Journal, found that 46% of agencies use AI, up from 15% in 2024. The Big "I" ACT 2026 Tech Trends Report found that more than 55% of agencies have no written AI use policy.
Six skills for agents and agency owners
- Quote Comparison Builder. Puts two to four commercial quotes side by side, flags differences in limits, exclusions and deductibles, and lists the questions to ask the underwriter.
- Renewal Review Letter. Turns the expiring and renewal terms into a plain-English letter for the client, with an internal checklist of what changed.
- Contract Insurance Reader. Reads the insurance section of a lease or vendor contract and lists the coverage, limits and endorsements it asks for, ready for a certificate request.
- Coverage Checklist by Industry. A discovery checklist for a restaurant, contractor, retailer or other business type, with the questions to ask.
- Prospect Research Brief. A one-page brief on a business before a sales call, from public information only.
- Agency AI Policy Writer. A one-page AI use policy covering approved tools, client data and human review.
Two skills for business owners
The Renewal Notice Explainer turns a renewal notice into plain English and a list of questions for your broker. The What Insurance Does My Business Need? Checklist Builder asks how your business works and builds a checklist of coverage to talk through with a licensed broker. Neither one tells you what to buy.
Four Grok bots that wait for your yes
The bots run on a schedule in the Grok Bot app from xAI, which comes with a paid SuperGrok or Cursor plan. Renewal Radar drafts outreach for policies renewing in 60 to 90 days. Prospect Desk finds newly opened businesses from public sources and drafts an intro email. Market Watch drafts a weekly market brief with every figure sourced. Review Booster drafts a Google review request for every client when a renewal is bound or a claim closes. Nothing goes to a client or a prospect until the agent approves it.
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Get a quoteHow to start
Pick one skill, download it with your email, turn on code execution in Claude's settings and add the skill under Customize, then Skills. The free Claude plan works. If your agency has no AI rules yet, start with the AI Policy Writer, and read our story on how independent agencies are using AI in 2026.
Are the skills really free?
Yes. The skills and bot recipes are free to download. You need a Claude account to use a skill, and the free plan works. Running a bot needs Grok Bot, which comes with a paid SuperGrok or Cursor plan.
Do the skills give insurance advice?
No. They draft and organize. A licensed agent checks every result against the actual quote, policy or contract and makes every coverage call.
Insurance tips an owner can use.
Plain English. One short email a week.
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