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Free Claude skill · for insurance agents

Contract Insurance Reader

Every insurance requirement in the contract quoted and checked against the policy, a certificate checklist you can trust, and the gaps to fix before anyone signs.

  • 20 minutes
  • intermediate
  • v1.0.0
  • Claude, Claude Code, Codex

How it works

  1. Mask and pasteThe insurance section, its exhibits and the indemnity clause, with personal data removed.
  2. Map the requirementsTwelve headings, from CGL limits to certificate wording, each quoted.
  3. Check against the policyDeclarations and endorsements decide Meets; nothing else does.
  4. List the gapsEach one marked as a carrier ask or a contract ask, with who acts.
  5. Flag the legal termsIndemnity and hold harmless go to the attorney, quoted and not interpreted.
  6. Issue only what existsYou confirm the forms and issue a certificate for the coverage in force.

Have this ready

  • The contract's insurance section and exhibits
  • The indemnity or hold harmless section
  • Your client's role and operations
  • Current declarations and endorsement schedules, to check gaps
  • The certificate holder's exact name and due date

What you get back

  • A quoted requirement map with status
  • A gaps-to-fix list
  • A certificate-request checklist
  • A plain-English client note draft

A taste of the output

From the worked exampleMade up, for illustration
Contract insurance review: Bluestem Landscaping and Granite Peak Builders (DRAFT for agent review)
Summary: Meets 6, Gap 4, Needs endorsement 1, Cannot tell 2

Gaps to fix
1. Per-project aggregate: not on the CGL. Carrier ask.
2. Employers liability: $500,000 limits against $1M required. Carrier ask.
3. Umbrella: $1M against $2M required. Carrier ask.
4. Auto "any auto": scheduled autos only. Carrier ask or contract ask.
5. 30-day notice of cancellation: no endorsement. Ask carriers, or change D.8.

For the attorney (not interpreted)
Section 9.1: "including claims caused in part by the negligence of an indemnitee."

(Agency, client, contractor and numbers are made up for illustration.)

Before you paste anything in

Use only an AI tool your agency has approved, and remove client personal details (Social Security and driver's license numbers, dates of birth, bank details, medical details from claims) before you paste anything in. The skill drafts; a licensed agent checks it against the actual documents before a client sees it.

What's in the download

contract-insurance-reader/SKILL.mdThe playbook Claude reads
contract-insurance-reader/examples/worked-example.mdA full sample run
contract-insurance-reader/references/quality-checks.mdPass or fail checks
contract-insurance-reader/templates/operator-worksheet.mdFill-in worksheet

New to skills? Here is how to add one to Claude.

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Questions

Can I just put the missing items on the certificate?

No. A certificate is information only and does not change the policy. The fix is an endorsement, a limit change or a change to the contract.

Will it tell my client whether the indemnity clause is OK?

No. It quotes indemnity and hold harmless terms and flags them for the client's attorney, because enforceability and how insurance responds vary by state.

What if I don't have the client's endorsement schedule?

Every requirement it would decide is marked Cannot tell, and the output lists exactly which documents to pull.