Insurance coverage memo

Overview

Draft and validate coverage opinion memos (Facts, Policy, Analysis, Conclusion) with policy citations.

Getting Started

Add your coverage memo draft to the workspace and activate the skill. Run the validator to ensure Facts, Policy, Analysis (with citations), and Conclusion are present.

Tools

• validate_coverage_memo — Checks for Facts, Policy, Analysis, and Conclusion; verifies policy citations in Analysis; ensures conclusion (covered/not/conditional) is present.

Example conversation

You: Draft a coverage memo for the Jones claim. Policy excludes intentional acts. Facts: Jones alleges negligence. We need a conclusion.

Agent: I’ve created memos/jones_coverage.md with Facts, Policy (exclusion excerpt), Analysis with policy citations, and Conclusion (no duty to defend for intentional acts; negligence claim may trigger defense). Running the validator.

Agent: Validation: OK for all four sections; policy citations in Analysis; conclusion present.

You: Add a citation to the exclusion at Section IV.B.

Agent: Added “Section IV.B, p. 12” to the Analysis.

Output excerpt

Example when Analysis has no citation:

============================================================
Coverage Memo Validation
File: memos/coverage.md
============================================================

OK: facts
OK: policy
OK: analysis
OK: conclusion

Analysis: No clear policy citation (section, article, page) found — add citations to policy language in Analysis.

Action: Add missing sections and policy citations; state conclusion (covered/not covered/conditional).