☂️ Insurance Operations · Underwriting & Service

Underwrite with complete, defensible files

Risk factors documented, deviations approved, and pricing rationale surviving audits years later.

intermediate~35 minClaims AdjustersUnderwritersInsurance Ops

Steps

1Complete the risk checklist per line; gaps documented as 'not available', not skipped
2Every deviation from standard rates carries approver + rationale inline
3Notes state facts and sources; opinions labeled as opinions
4Re-underwrite triggers defined: material change events listed per policy
5Sample own files quarterly against guidelines before audit does
6Feed loss experience back into guideline updates formally

Common Pitfalls

▲Oral approvals living outside the file
▲Renewals rolling forward without re-checking exposure changes

Commands

Install with skills CLI

$ npx skills add aniruddhaadak80/skills --skill underwriting-service-underwriting-file-discipline

Install globally

$ npx skills add aniruddhaadak80/skills --skill underwriting-service-underwriting-file-discipline -g

Tags

#underwriting#risk#documentation#insurance#underwriting-service

Install this skill

$ npx skills add aniruddhaadak80/skills --skill underwriting-service-underwriting-file-discipline -a opencode

SKILL.md

# Underwrite with complete, defensible files

> Risk factors documented, deviations approved, and pricing rationale surviving audits years later.

## When to Use This Skill

Risk factors documented, deviations approved, and pricing rationale surviving audits years later.

## Steps

1. Complete the risk checklist per line; gaps documented as 'not available', not skipped
2. Every deviation from standard rates carries approver + rationale inline
3. Notes state facts and sources; opinions labeled as opinions
4. Re-underwrite triggers defined: material change events listed per policy
5. Sample own files quarterly against guidelines before audit does
6. Feed loss experience back into guideline updates formally

## Common Pitfalls

- Oral approvals living outside the file
- Renewals rolling forward without re-checking exposure changes

View source on GitHub ↗

Early outreach, transparent change explanation, and save motions for wavering accounts.

☂️ Insurance Operations·~25m

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Underwrite with complete, defensible files

Steps

Common Pitfalls

Commands

Tags

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