How Insurance Agents Use Claude: Policy Summaries & Renewals

Summarize this homeowners policy for my client.
HO-3. Dwelling $350,000. Personal property $175,000. Personal liability $100,000.
Deductible $1,500 all perils. No flood or earthquake coverage.
Wind/hail exclusion endorsement (coastal property).

YOUR HOMEOWNERS POLICY AT A GLANCE — DRAFT FOR AGENT REVIEW

Coverage            | Limit     | Deductible | What this means
Dwelling            | $350,000  | $1,500     | Repairs or rebuilding of the house itself
Personal property   | $175,000  | $1,500     | Your belongings: furniture, clothing, electronics
Personal liability  | $100,000  | none       | If someone is hurt at your home or you damage
                    |           |            | someone else's property and are held responsible

IMPORTANT EXCLUSIONS
- Flood: not covered. Damage from rising water needs a separate flood policy.
- Earthquake: not covered. Ask us about separate earthquake coverage.
- Wind and hail: excluded by endorsement on this policy. For a coastal home this is a
  major gap; [agent to explain the wind/hail options available in your area].

ACTION ITEMS
- Confirm the dwelling limit reflects today's rebuilding cost [agent to verify].
- Let's talk about whether $100,000 of liability is enough for your situation.

You are my insurance agency documentation and communication assistant. Here is my context:

<agency-profile>
- Role: Licensed insurance agent at [Agency name / independent agency / captive agency]
- State: [Your State] (for licensing, compliance, and regulatory requirements)
- Lines of business: [Personal lines / Commercial lines / Life & Health / All lines]
- Carrier appointments: [List your top 5-8 carriers]
- Agency management system: [Applied Epic, HawkSoft, QQ Catalyst, EZLynx, etc.]
- Client base focus: [Individual families / Small business / Niche market / Mixed]
- Communication style: [Professional and warm / Consultative / Educational / Straightforward]
</agency-profile>

<rules>
- Policy summaries should be clear, client-friendly, and highlight what matters most to the client
- Renewal letters should feel personal and position you as a trusted advisor, not a billing department
- Claims documentation should be factual, structured, and ready for carrier submission
- Client outreach should sound like it comes from a real person who cares, not a marketing system
- Never generate content that provides specific legal or coverage advice — position as general information
- Include appropriate disclaimers when discussing coverage details
- Never use actual client names, policy numbers, or identifiable information in Claude prompts
</rules>

<task>Generate a client-friendly policy summary from these coverage details.</task>

<policy-details>
- Policy type: Homeowners HO-3
- Client: Married couple, first-time homebuyers
- Dwelling coverage: $385,000 (guaranteed replacement cost)
- Personal property: $192,500 (replacement cost endorsement)
- Liability: $300,000
- Medical payments: $5,000
- Deductible: $1,500 wind/hail, $1,000 all other perils
- Endorsements: Water backup $15,000, scheduled jewelry $12,000, identity theft $25,000
- Notable exclusions: Flood (separate policy recommended), earthquake, home business equipment over $2,500
</policy-details>

<instructions>
- Address the summary to the clients by name in a warm, professional tone
- Explain each coverage area in plain English — avoid jargon
- Highlight the most important protections they have
- Clearly explain what is NOT covered and why it matters
- Include specific action items: what they should do if they have a claim, when to call their agent, what changes to report
- Keep it scannable — use headers and bullet points
- End with a reassuring close that positions the agent as an ongoing resource
</instructions>

<avoid>
- Insurance jargon without explanation
- Legal disclaimers that sound scary
- Implying this summary replaces reading the actual policy
</avoid>

<task>Draft a renewal recommendation letter for this client.</task>

<renewal-details>
- Client: Long-term client, 8 years with the agency
- Policy: Commercial package — BOP + commercial auto
- Current premium: $14,200 annually
- Renewal premium: $16,800 (+18.3%)
- Reason for increase: Two minor auto claims in past 3 years, commercial property rate increases market-wide, updated building valuation
- Recommended changes: Increase commercial auto deductible from $500 to $1,000 (saves approximately $600/year), add employment practices liability ($800/year), update building coverage to match new valuation
- Net recommended premium: $17,000
</renewal-details>

<instructions>
- Open by acknowledging the relationship and the upcoming renewal
- Be transparent about the premium increase — don't bury it
- Explain the market factors driving the increase (it is not just their account)
- Show that you have shopped the market or explain why staying with the current carrier is the best option
- Present recommended changes as proactive risk management, not upselling
- Provide a clear comparison: current vs. recommended
- Close with a specific call to action to schedule a 20-minute review call
</instructions>

<task>Create a structured claims documentation package from these incident details.</task>

<incident-details>
- Claim type: Commercial property — water damage
- Business: Restaurant, insured under BOP
- Incident: Pipe burst in kitchen ceiling overnight, discovered by morning staff. Water damaged kitchen equipment, walk-in cooler sustained electrical damage, dining room ceiling tiles and carpet affected. Business closed for 3 days for remediation.
- Policy: BOP with $500,000 building, $250,000 BPP, $50,000 business income with 72-hour waiting period, $1,000 deductible
- Applicable coverage: Building damage covered, BPP covered at replacement cost, business income coverage applies after 72-hour waiting period, spoiled food coverage under BPP
- Mitigation: Plumber dispatched same morning, water extraction company on site by noon, temporary repairs to ceiling completed day 2
</incident-details>

<instructions>
- Structure as: Incident Summary, Coverage Analysis, Documentation Checklist, and Next Steps
- Write the incident summary in factual, objective language suitable for the carrier
- Map each type of damage to the applicable coverage section
- Note any potential coverage questions (the 72-hour waiting period, spoiled food limits)
- Create a documentation checklist: what the client needs to gather (photos, receipts, invoices, inventory)
- Outline next steps for both the client and the agent
</instructions>

<task>Write a cross-sell outreach email for an existing personal lines client.</task>

<client-context>
- Existing client: Home and auto policies for 3 years
- Life event: Just had their second child (mentioned during last auto policy change)
- Current coverage gap: No life insurance, no umbrella policy
- Relationship: Positive, always responsive, refers friends occasionally
</client-context>

<instructions>
- Open by referencing the life event naturally — congratulate them
- Transition to "as your insurance advisor, I want to make sure your growing family is protected"
- Mention life insurance and umbrella as logical next steps — not as a sales pitch but as professional responsibility
- Keep it short and personal — under 150 words
- Suggest a 15-minute phone call to discuss options
- Tone: Warm, genuine, like a trusted advisor who noticed something important
</instructions>

<avoid>
- Anything that sounds like a mass email
- Pressure language or urgency tactics
- Specific product names or premium quotes in the email
</avoid>

<task>Draft a coverage recommendation documentation letter for a client who declined a recommended coverage.</task>

<context>
- Client declined umbrella policy recommendation
- Current liability limits: $300,000 on home, $250,000/$500,000 on auto
- Recommended: $1,000,000 umbrella policy
- Client's reason for declining: Cost — "I'll think about it next year"
- Agent's obligation: Document the recommendation and the declination for E&O protection
</context>

<instructions>
- Write a professional letter documenting that you recommended the umbrella policy
- State the specific recommendation clearly (coverage amount, approximate premium range)
- Note the client's decision to decline at this time
- Explain — briefly and without being alarmist — the gap this creates in their coverage
- Include language that positions this as documentation of a professional recommendation
- Request the client sign and return (or reply confirming) their decision
- Close by noting the recommendation remains available if they change their mind
</instructions>

<format>
Professional business letter format, suitable for printing or email attachment. Include a signature line for the client's acknowledgment.
</format>