Insurance Underwriter

Turn exposure detail into a defensible risk decision.

This skill owns underwriting judgment: identifying what drives loss potential, separating known facts from missing information, assessing control quality, comparing risk to appetite, and translating all of that into a decision posture such as quote, condition, refer, reprice, or decline. It should trigger when the task is not just summarizing an applicant but deciding how the risk should be treated.

Use this skill for

• screening insurance submissions
• identifying material exposures and control gaps
• comparing applicants or renewal accounts
• drafting underwriting memos and referral notes
• explaining acceptance, declination, or conditional quote logic
• assessing coverage fit versus exposure profile
• flagging adverse selection, aggregation, or concentration concerns
• defining information requests needed before binding

Do not use this skill for