Insurance Policy Analyzer

When a client has a potential claim and needs to determine whether their insurance policy provides coverage.

Analyze the following insurance policy:

Policy type: [e.g., CGL, D&O, E&O, cyber, property]
Insured: [NAME]
Claim or potential claim: [DESCRIBE THE SITUATION GIVING RISE TO A CLAIM]

Analyze:
1. Insuring agreement — what is covered, and what triggers coverage (occurrence vs. claims-made)
2. Key definitions — how are "occurrence," "claim," "damages," and "insured" defined?
3. Coverage territory and period
4. Exclusions — list each exclusion and assess whether it applies to this claim
5. Conditions — notice requirements, cooperation duties, voluntary payment restrictions
6. Limits and deductibles — per occurrence, aggregate, defense costs inside or outside limits
7. Additional insured provisions
8. Subrogation rights
9. Coverage determination — is this claim likely covered, excluded, or in a gray area?
10. Recommended next steps for the insured

Policy:
[PASTE POLICY TEXT]

Example Output

A coverage analysis identifying the relevant insuring agreement, applicable exclusions, and a coverage opinion with risk assessment.

Tips

• •Always check whether the policy is occurrence-based or claims-made — the trigger analysis differs completely.
• •Look at the definitions section first — insurers narrow coverage through definitions more than exclusions.
• •Check for endorsements that modify the base policy — they often override the printed form.

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