Commercial Broker GuideThe business owner's guide to commercial insurance
Search

Free Claude skill · for insurance agents

Coverage Checklist by Industry

Walk into every discovery meeting with eight layers of plain-English questions, so the exposure nobody mentioned becomes a question instead of a gap.

  • 10 minutes
  • beginner
  • v1.0.0
  • Claude, Claude Code, Codex

How it works

  1. Name the business preciselyType, state, size, own or lease, vehicles and contracts you know about.
  2. Start from the closest industryRestaurant, contractor, retailer, office, medical, trucking, manufacturer or nonprofit.
  3. Walk all eight layersOwn, do, work, drive, sign, hold, stop and above everything.
  4. Write why, trigger and questionEach coverage line says why it comes up, what changes the need, and what to ask.
  5. Flag what depends on the stateState rules are marked to confirm, never written from memory.
  6. Order for the meetingTop questions first, documents to request, the rest marked if time.

Have this ready

  • The business type, as specific as you can
  • The state where it operates
  • What you already know about size, vehicles and contracts
  • The meeting purpose and length

What you get back

  • Top questions for this meeting
  • An eight-layer checklist with status for each line
  • State-dependent items to confirm
  • Documents to request

A taste of the output

From the worked exampleMade up, for illustration
Discovery checklist: full-service restaurant with beer and wine, catering
Purpose: new prospect  |  Meeting length: 45 minutes
This is a conversation checklist, not a coverage recommendation.

TOP QUESTIONS
1. Can I see the insurance section of your lease?
2. Is the catering van on a business auto policy, and do staff use their own cars for drop-offs?
3. Does your package policy include liquor liability, or is that separate?
4. When you cater, do venues ask for a certificate or to be added to your policy?
5. How do you take payments and online orders?

LAYER 4: WHAT THEY DRIVE
Hired and non-owned auto | Staff in own cars | Ask: Who drives for the business, and how often?

(Agency, business 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

coverage-checklist-by-industry/SKILL.mdThe playbook Claude reads
coverage-checklist-by-industry/examples/worked-example.mdA full sample run
coverage-checklist-by-industry/references/quality-checks.mdPass or fail checks
coverage-checklist-by-industry/templates/operator-worksheet.mdFill-in worksheet

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

Rather have it done for you?

For brokersBe the broker owners find first.

A Featured listing on Commercial Broker Guide puts your agency first when owners in your industries search the directory for a broker.

List your firm free

Questions

Does this tell me what coverage to recommend?

No. It builds the conversation: what to ask, why it matters and what to read. You make the recommendation after you hear the answers and read the actual forms.

Will it tell me my state's workers' comp or auto rules?

No. Anything that depends on the state is marked to confirm with your state's workers' compensation agency (for workers' comp), your state's insurance department or your agent, because rules and thresholds vary and change.

Can my whole agency use the same checklist?

Yes. Run it once per industry, save the result as your agency's template, and adjust the top questions for each account.