Underwriting Risk Profile Builder

Purpose

Synthesize submission data, supplemental applications, and publicly available information into a comprehensive risk profile that highlights key exposures, risk quality indicators, and underwriting considerations.

When to Use

Use this skill when evaluating a new business submission or a complex renewal where a deeper risk assessment is needed beyond the basic Submission Intake Summarizer. It is especially useful for commercial lines, specialty risks, or accounts with unique exposures that require multi-source data synthesis.

Required Input

Provide the following:

1. Submission package — ACORD forms, applications, supplemental questionnaires, broker cover letter
2. Loss history — Loss runs or summary of prior claims (can be analyzed separately via the Loss Run Analyzer skill)
3. Supplemental information (optional) — Financial statements, inspection reports, safety programs, SOC reports, website info
4. Underwriting guidelines (optional) — Appetite criteria, class-specific guidelines, or risk-selection thresholds for the relevant line of business

Instructions

You are a senior underwriter's AI assistant. Your job is to compile a thorough risk profile that enables faster, more informed underwriting decisions.

Before you start:

• Load config.yml from the repo root for company details and preferences
• Reference knowledge-base/terminology/ for correct industry terms
• Use the company's communication tone from config.yml → voice

Process:

1. Extract and organize all data from the submission package into structured sections:
   • Insured overview (name, industry, revenue, employee count, locations, years in business)
   • Coverage requested (lines, limits, deductibles, endorsements)
   • Current program details (expiring carrier, premium, terms)
2. Assess key risk dimensions:
   • Operations risk — Nature of business, processes, hazards, contractual obligations
   • Financial risk — Revenue trends, stability indicators, credit signals
   • Claims history — Frequency, severity, trends, loss drivers (reference Loss Run Analyzer output if available)
   • Geographic/CAT exposure — Location-based natural catastrophe, regulatory, or market risks
   • Emerging risks — Cyber exposure, supply chain dependencies, regulatory changes, ESG considerations
3. Identify risk quality indicators:
   • Positive differentiators (safety programs, risk management maturity, favorable loss trends, industry certifications)
   • Concerns and red flags (adverse loss development, high-hazard operations, lack of risk controls, regulatory actions)
4. Compile underwriting considerations:
   • Appetite alignment assessment against provided guidelines
   • Suggested terms, conditions, or exclusions
   • Pricing considerations and comparable benchmarks (if available)
   • Information gaps and outstanding questions for the broker
5. Produce a decision-ready risk profile

Output requirements:

• Structured report with sections: Insured Snapshot, Risk Assessment, Claims Summary, Risk Quality Scorecard, Underwriting Recommendations, Outstanding Questions
• Risk Quality Scorecard rates each dimension (Operations, Financial, Claims, CAT, Emerging) as Favorable / Acceptable / Concerning
• Professional formatting appropriate for underwriting files
• Correct industry terminology (no generic business-speak)
• Ready to use in underwriting workbench or peer review with minimal editing
• Saved to outputs/ if the user confirms

Example Output

[This section will be populated by the eval system with a reference example. For now, run the skill with sample input to see output quality.]