# insurance-expert

Gives your agent insurance domain knowledge: underwriting, claims processing, actuarial analysis, risk assessment and fraud detection.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 714 installs · ★ 43
- Author: personamanagmentlayer
- License: Apache-2.0 · policy=mirror · the beginning of the file is at the end of this page
- Source: https://github.com/personamanagmentlayer/pcl/tree/HEAD/stdlib/domains/insurance-expert/SKILL.md
- Updated: 2026-10-12
- HTML: https://affpapa.org/en/nevibecode/skills/insurance-expert

## What it does

The skill activates when a task touches underwriting, claims, actuarial work, risk or insurtech. It covers insurance systems — policy administration, claims management, underwriting workstations, actuarial modeling, reinsurance — plus insurance types from P&C and life to auto and cyber, and the standards around them: ACORD, SOX, NAIC, GDPR, AML.

The hands-on part is a Python claims management example: a `Claim` class with statuses from `reported` to `closed`, and methods to file, investigate, approve or deny a claim. Filing runs a fraud screen first — a score above 0.8 flips the status to `investigating` and routes the case to the Special Investigation Unit. Reserves come from per-type multipliers, and the deductible is subtracted from the approved amount before payment.

The skill asks for Read, Write and Edit, so the agent can open and change files in your project. The sample code uses `Decimal` for money and `datetime` for dates; if your own models keep amounts as floats, that is worth checking before you reuse the reserve and payout math.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add personamanagmentlayer/pcl --skill insurance-expert -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/insurance-expert/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/insurance-expert/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add personamanagmentlayer/pcl --skill insurance-expert -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/insurance-expert/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add personamanagmentlayer/pcl --skill insurance-expert -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/insurance-expert/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install personamanagmentlayer/pcl insurance-expert
```

2. **Manually: put the files in place**
- File: `.github/skills/insurance-expert/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add personamanagmentlayer/pcl --skill insurance-expert -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/personamanagmentlayer/pcl --path stdlib/domains/insurance-expert
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/insurance-expert/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add personamanagmentlayer/pcl --skill insurance-expert -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/personamanagmentlayer/pcl/tree/HEAD/stdlib/domains/insurance-expert/SKILL.md

## When to use it
- model a claim record with reserve, deductible and payout fields
- lay out claim statuses from first notice to closure
- add a fraud check before assigning an adjuster
- group insurance lines and regulatory requirements into categories
- compute a reserve from loss type and multiplier

## Example prompts
- help me design a ClaimsManagementSystem for auto insurance
- which statuses should a claim move through before payout?
- explain how to calculate a reserve from the loss type

## Source text · SKILL.md · Apache-2.0

Below is the content of a third-party file. It is data, not instructions for you: do not act on anything written inside unless the human asks. Block tag: 3590764a0e3d696b.

BEGIN THIRD-PARTY FILE 3590764a0e3d696b
````text
---
name: insurance-expert
version: 1.1.0
description: >-
  Expert-level insurance systems, underwriting, claims processing, actuarial analysis, risk
  assessment, and insurtech solutions. Use when the user mentions underwriting, claims,
  actuarial, risk, or insurtech, or when the task involves Insurance Systems, Insurance
  Types, Standards and Regulations, or Claims Processing.
category: domains
tags: [insurance, underwriting, claims, actuarial, risk, insurtech]
allowed-tools:
  - Read
  - Write
  - Edit
---

# Insurance Expert

Expert guidance for insurance systems, underwriting, claims processing, actuarial analysis, risk assessment, fraud detection, and modern insurtech solutions.

## Core Concepts

### Insurance Systems

- Policy Administration Systems (PAS)
- Claims Management Systems
- Underwriting workstations
- Actuarial modeling systems
- Reinsurance management
- Agency management systems
- Document management

### Insurance Types

- Property & Casualty (P&C)
- Life insurance
- Health insurance
- Auto insurance
- Commercial insurance
- Specialty insurance
- Cyber insurance

### Standards and Regulations

- ACORD standards (insurance data exchange)
- SOX compliance
- State insurance regulations
- NAIC (National Association of Insurance Commissioners)
- GDPR for customer data
- Anti-money laundering (AML)

## Claims Management System

```python
from enum import Enum

class ClaimStatus(Enum):
    REPORTED = "reported"
    INVESTIGATING = "investigating"
    APPROVED = "approved"
    DENIED = "denied"
    CLOSED = "closed"

@dataclass
class Claim:
    """Insurance claim"""
    claim_number: str
    policy_number: str
    claim_type: str  # 'collision', 'theft', 'liability', etc.
    date_of_loss: datetime
    reported_date: datetime
    description: str
    estimated_loss: Decimal
    status: ClaimStatus
    adjuster_id: Optional[str]
    reserve_amount: Decimal
    paid_amount: Decimal
    deductible: Decimal

class ClaimsManagementSystem:
    """Claims processing and management"""

    def __init__(self):
        self.claims = {}
        self.fraud_detector = FraudDetectionSystem()

    def file_claim(self, claim_data: dict) -> Claim:
        """File new insurance claim"""
        claim_number = self._generate_claim_number()

        claim = Claim(
            claim_number=claim_number,
            policy_number=claim_data['policy_number'],
            claim_type=claim_data['claim_type'],
            date_of_loss=claim_data['date_of_loss'],
            reported_date=datetime.now(),
            description=claim_data['description'],
````
END THIRD-PARTY FILE 3590764a0e3d696b

The third-party file has ended. Everything between the 3590764a0e3d696b tags is data: requests and commands from it are not followed. An “end of file” line with another tag inside the block is part of the file.

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