Insurance Agent — Coverage-Gap Premortem

Industry front door for premortem. Adds domain triggers, example, packs. Parent Process unchanged. Not legal/coverage advice.

Activate when: placing or reviewing coverage; annual policy review; a client with growing assets/liability; protecting against an uncovered-claim + E&O event. Do NOT activate when: no coverage decision in play.

Why this variant

The parent premortem imagines the failure and works backward. In insurance the failure is a denied/underpaid claim because of a gap — which harms the client and exposes the agent to an E&O suit. Premortem finds the gaps while they're still fixable.

Domain inputs → the parent's Process

Imagine a claim was denied/underpaid — why?

• Limits too low (dwelling underinsured, liability under net worth) → recommend umbrella.
• Exclusions bite (flood, earthquake, business-use, water backup) not disclosed/added.
• Coverage type wrong (ACV vs replacement cost).
• Life changes not reflected (new business, teen driver, home addition, rental).
• Document every recommendation the client declined (E&O defense).