Coverage Gap Analysis Skill

Organisations rarely know what they're not insured for until the loss arrives. This skill crosses the risk register against the policy portfolio and makes the gaps, the thin spots, and the accidental overlaps visible — then ranks the fixes by how badly the gap could hurt.

What This Skill Produces

• A risk register × coverage matrix (which policy responds to which risk)
• Flags per risk: covered / uncovered / underinsured / double-covered / consciously retained
• A deductible stack review (total retained exposure across lines vs risk tolerance)
• Recommendations ranked by expected-loss severity

Required Inputs

Ask for missing items; if no formal risk register exists, build a first-pass one from the business description and label it [draft register — validate with management]:

• Risk register — or at minimum a business description (operations, assets, revenue, geography, key dependencies)
• Policy portfolio — each policy's line, limits, deductibles, headline exclusions
• Risk tolerance — how much loss the organisation can absorb in a bad year, even roughly
• Known worry list — what management already loses sleep over