Insurance Agent — 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.

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

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Part of deciqAI Knowledge Skills — 223 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/c/insurance-coverage-gap-premortem · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.