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Free Claude skill · for business owners

Renewal Notice Explainer

Know exactly what changed in your renewal, including the quiet changes, and walk into your broker call with the right questions.

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

How it works

  1. Remove personal dataBlack out Social Security numbers, bank details and claim medical details before pasting.
  2. Paste the renewalAdd last year's declarations page so changes can be compared.
  3. Find the notice type and deadlineRenewal offer, conditional renewal or nonrenewal, and what is due when.
  4. Read change by changePrice, limits, deductibles, how property is valued, forms, exclusions.
  5. Flag the quiet changesRemoved coverage and new exclusions go to the top, ahead of price.
  6. Take the questions to your brokerYour licensed broker reads the full policy and confirms what is covered.

Have this ready

  • Your renewal notice or offer
  • Last year's declarations page, if you have it
  • The kind of policy and renewal date
  • What changed in your business this year
  • Your broker's name, if you have one

What you get back

  • A short version with any flags at the top
  • A change table: last year, this renewal, plain words, what to ask
  • A glossary of the terms in your notice
  • A question list and what to have ready for the call

A taste of the output

From the worked exampleMade up, for illustration
Your renewal in plain English: Hollis Street Bakery, business owner's policy

What this notice is: conditional renewal. They will renew, with changes.
The short version: The price goes up $705 a year. Two quieter changes matter more: the sewer and drain backup coverage is gone, and your property deductible goes from $1,000 to $2,500.
Flags: Coverage removed: water and sewer backup. New exclusion: communicable disease.

WHAT CHANGED
Water and sewer backup: $25,000 last year, removed this year.
Property deductible: $1,000 to $2,500. You pay the first $2,500 of a covered property loss.

QUESTIONS TO ASK YOUR BROKER
1. Why was the backup coverage removed, and can it be added back?
2. What would it cost to keep the $1,000 deductible?
3. Does the equipment limit include the new oven?

(Business, insurance company and numbers are made up for illustration.)

Before you paste anything in

Remove account numbers, Social Security numbers and anything personal about your employees before you paste a document into any AI tool. The skill explains; your licensed agent or broker makes the coverage calls.

What's in the download

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

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

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Questions

Will this tell me if I'm covered for something?

No. It tells you what the renewal says and what changed, and gives you the questions to ask. Only the full policy decides coverage, and your licensed agent or broker reads it with you.

Is it safe to paste my insurance documents into an AI tool?

Remove Social Security numbers, driver's license numbers, dates of birth, bank details and any medical details from claims first, and use an AI tool you trust with business documents. Policy numbers can be shortened to the last four digits.

What if I don't have last year's policy?

The skill still explains every term and line in this year's notice, and adds "ask for last year's declarations page" to your questions so your broker can show you what changed.