Complete architecture reference for the A3 insurance platform — file locations, data flow, conventions, microservice map, and fullstack patterns
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
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insurance-domain
Use when modifying domain/models/, domain/services/, adaptor/llm/, or any business logic involving insurance terms, coverages, or risk rules. Also use when adding new fields, endorsements, or coverage types.
含まれるファイル（1）
- SKILL.md5.9 KB
SKILL.md（原文）
インストールする前に、エージェントに与えられる指示の中身を確認できます。
Insurance Domain Knowledge (ACORD-Based)
ACORD (Association for Cooperation in Operations Research and Development) defines the insurance industry's data standards. This project covers Personal Lines — Auto (ACORD 90) and Homeowners (ACORD 80).
Core Terminology
| Term | Definition | ACORD Context |
|---|---|---|
| Renewal | Policy renewal. Comparing Prior vs Renewal is the core workflow | ACORD 80/90 Status: Renew |
| Endorsement | Mid-term policy change or rider. Expands/restricts coverage scope | ACORD 70 (HO), 71 (Auto): change type A/C/D |
| Premium | Insurance premium. Rate of change at renewal is the primary risk indicator | ACORD WrittenAmt |
| Deductible | Amount the insured pays first before a claim is covered | ACORD DeductibleAmt |
| Liability Limit | Liability cap. A protected field that must never be auto-reduced | ACORD BI, PD, Coverage E |
| Coverage Dropped | Coverage item removed. Flagged when True→False or amount decreases | DiffFlag.COVERAGE_DROPPED |
| Material Change | A change with substantial impact on coverage scope | LLM endorsement_comparison target |
| Risk Signal | Risk factors extracted from renewal notes (claims history, property condition, etc.) | LLM risk_signal_extractor output |
| Bundle | Auto + Home package for the same customer. Discount eligible; risk when unbundled | Core concept in Portfolio analysis |
| SR-22 | High-risk driver certificate. Minimum insurance proof required by the state | ACORD Driver field |
Coverage Types (ACORD Code Mapping)
Auto Coverages
| ACORD Code | Name | Current Model Field | Notes |
|---|---|---|---|
BI | Bodily Injury | bodily_injury_limit | split limit "100/300" |
PD | Property Damage | property_damage_limit | |
COLL | Collision | collision_deductible | |
COMP | Comprehensive | comprehensive_deductible | |
UM | Uninsured Motorist | uninsured_motorist | |
MEDPM | Medical Payments | medical_payments | |
TL | Towing/Roadside | roadside_assistance | bool only — ACORD uses amount |
RENTAL | Rental Reimbursement | rental_reimbursement | bool only — ACORD uses daily/max limit |
UNDUM | Underinsured Motorist | not implemented | separate from UM, required in many states |
PIP | Personal Injury Protection | not implemented | required in no-fault states |
UMPD | UM Property Damage | not implemented | separate coverage in some states |
Home Coverages
| ACORD Code | Name | Current Model Field | Notes |
|---|---|---|---|
DWELL | Coverage A (Dwelling) | coverage_a_dwelling | protected field |
OTSTR | Coverage B (Other Structures) | coverage_b_other_structures | typically 10% of A |
PP | Coverage C (Personal Property) | coverage_c_personal_property | |
ALE | Coverage D (Loss of Use) | coverage_d_loss_of_use | |
PL | Coverage E (Liability) | coverage_e_liability | protected field |
MEDPM | Coverage F (Medical) | coverage_f_medical | |
WIND | Wind/Hail | wind_hail_deductible | deductible only |
| — | Water Backup | water_backup | bool only — ACORD uses limit amount |
EQ | Earthquake | not implemented | near-mandatory in CA/WA/OR |
FLOOD | Flood | not implemented | separate NFIP policy |
ACORD Gap Analysis — Known Limitations of Current Models
High Priority (Directly impacts renewal review)
- UIM/PIP/UMPD not implemented — Cannot compare state-required coverages
- No amounts on boolean coverages — Cannot compare limits for rental($30/day), roadside($75/occ), water_backup($5K), etc.
- No Loss History — ACORD 80/90 Prior Loss section. Key factor in renewal premium determination
- No HO Form Type — HO-3(broad), HO-5(open), HO-6(condo), etc. Fundamentally different coverage scopes
- No Territory Code — Basic variable in premium calculation
Medium Priority (Improves analysis precision)
- Driver DOB — ACORD standard uses DOB instead of age. Enables exact age calculation
- Vehicle annual mileage —
EstimatedAnnualDistance. Major premium factor - Driver relationship/marital status —
RelationshipToInsured,MaritalStatus. Discount factors - Endorsement limit/deductible — Cannot compare endorsement coverage limits
- Prior Carrier — ACORD 80 Prior Coverage section. Renewal context
Protected Fields — Never auto-modify
Per ACORD standards, reducing these fields carries legal/contractual risk:
bodily_injury_limit— Bodily injury liability limitproperty_damage_limit— Property damage liability limituninsured_motorist— Uninsured motorist coveragecoverage_a_dwelling— Dwelling reconstruction costcoverage_e_liability— Personal liability
Endorsement Form System
ACORD uses a Form Number system rather than a single code list:
- Auto: PP series (PP 03 06, PP 03 22, PP 03 23, etc.)
- Home: HO series (HO 04 10, HO 04 61, HO 04 90, HO 04 95, etc.)
- Change Request: ACORD 70 (HO), ACORD 71 (Auto) — type A(Add)/C(Change)/D(Delete)
Currently Endorsement.code is free text. Validation can be added when ISO/AAIS form number mapping is implemented.
Application Rules
- When adding new coverage fields: Reference the ACORD code mapping tables above for naming
- When adding DiffFlags: Consider the industry importance of the coverage (liability types → URGENT)
- When modifying LLM prompts: Verify the exact meaning of insurance terms before use
- When adding Quote strategies: Re-verify the protected fields list. Protected fields cannot be changed in any strategy
レビュー
まだレビューはありません。使ってみた感想をお寄せください。
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Drafts U.S. commercial real estate access and indemnity (right-of-entry) agreements for pre-closing due diligence. Covers license grants, non-invasive vs invasive testing gates, insurance/endorsement requirements, indemnity with discovery carve-outs, restoration and lien remedies, confidentiality, and anti-indemnity guardrails. Trigger: access agreement, right of entry, due diligence access, Phase I/II, invasive testing, pre-PSA site inspection.
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
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日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
Inspect, schema, and fill true AcroForm PDFs using sciClaw's pdf_form_inspect, pdf_form_schema, and pdf_form_fill tools. Use when: (1) checking whether a PDF is a real fillable AcroForm, (2) listing form field names, types, and choices, (3) filling a supported form from structured values, (4) preparing reviewable insurance, legal, administrative, or clinical form drafts, (5) reporting skipped fields or unused input keys after a fill. Do not use for scanned PDFs, OCR tasks, or XFA-only forms.
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
Guide actuarial analysis for insurance pricing. TRIGGERS - Use when user needs help with actuarial-analysis related tasks.
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新
Analyzes actuarial modeling systems for loss reserving accuracy, premium pricing methodology, mortality/morbidity tables, stochastic modeling, and capital adequacy per SOA and Solvency II standards. USE THIS SKILL WHEN: - You need to review or audit actuarial models (reserving, pricing, capital) - Someone asks about loss triangle analysis or reserve adequacy - You are evaluating IBNR calculations, chain ladder methods, or Bornhuetter-Ferguson - A project involves insurance pricing, GLM rating models, or ratemaking - You need to assess Solvency II SCR calculations or RBC compliance - Someone mentions actuarial opinions, ASOP compliance, or SOA standards - You are reviewing stochastic models, ESG configurations, or DFA frameworks - A codebase uses actuarial libraries (chainladder, lifetables, ChainLadder R package) TRIGGER PHRASES: "actuarial", "loss reserving", "IBNR", "chain ladder", "premium pricing", "mortality table", "Solvency II", "capital adequacy", "ratemaking", "GLM pricing", "risk-based capital", "reserve analysis", "actuarial opinion"
日本語の概要は準備中です。原文の説明を表示しています。
FDU-INS/Insurance-Skills762026年7月12日 更新