Complete architecture reference for the A3 insurance platform — file locations, data flow, conventions, microservice map, and fullstack patterns
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FDU-INS/Insurance-Skills802026년 7월 12일 업데이트
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insurance-policy-summary
Produces structured, citation-backed summaries of U.S. insurance policies, endorsements, claims files, and coverage correspondence for coverage analysis and insurance litigation. Use when summarizing policies, declarations, claims files, reservation-of-rights letters, denial letters, or coverage disputes.
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Insurance Policy Summary
Deliver a litigation-grade, source-cited summary of policy terms and claim handling that supports coverage strategy. Stay neutral unless instructed otherwise.
Prerequisites
- All policies, endorsements, declarations pages, and schedules
- Claims file materials and correspondence (notice, ROR, denial)
- Loss facts and timeline (date of loss, claimant, damages)
- Jurisdiction and choice-of-law indicators (policy clause, venue)
Output Structure
1. Executive Summary
2-3 paragraphs covering: policies at issue and coverage posture, triggering event/loss and claim status, primary disputes or ambiguities.
2. Policy Inventory
| Insurer | Policy No. | Period | Named Insured | Coverage Types | Limits | Deductible/SIR | Key Endorsements | Source |
3. Endorsements and Modifiers
| Endorsement | Effect on Coverage | Date/Version | Source |
4. Coverage Analysis
- Insuring agreement(s) relevant to the claim
- Definitions controlling scope of coverage
- Exclusions potentially invoked
- Conditions precedent and compliance issues
- Other insurance / priority (primary vs. excess)
- Allocation across policy periods
- Quote critical policy language verbatim with pinpoint cite
5. Claims Chronology
| Date | Event | Actor | Amount | Coverage Position | Source |
6. Parties and Roles
| Party | Role | Relationship | Source |
7. Financials
| Type | Amount | Date | Notes | Source |
Types: Reserves, Payments, Demand, Estimate, Exposure.
8. Coverage Positions
| Position | Basis | Policy Provision | Communicated By | Date | Source |
9. Legal Issues and Dispute Drivers
- Ambiguity points and competing interpretations
- Notice, cooperation, and prejudice issues
- Bad faith / extra-contractual exposure indicators
- Choice-of-law implications for interpretation
- Subrogation, contribution, or allocation disputes
10. Gaps and Missing Information
Flag: missing endorsements/schedules, unclear policy periods, incomplete claims file segments, unverified loss facts.
11. Source Map
Document name + page/paragraph for each quoted or key fact.
Checks
- Pinpoint cite every key term, exclusion, condition, and coverage position.
- Flag privilege or work-product materials without summarizing content.
- Distinguish primary vs. excess; identify overlap or gaps.
- Apply jurisdiction-specific interpretation only when identified in the documents.
- Mark uncertain authority as
[VERIFY].
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