Underwriting Risk Profile Builder

Purpose

Synthesize a submission package, supplemental applications, third-party data (D&B, ISO PolicyFinder, NICB, SOC 2 / SOC for Cybersecurity reports, public records), and the carrier or agency's appetite into a decision-ready underwriting risk profile — line-of-business-specific, jurisdiction-aware, AI-bias-tested, AMS-handoff-ready, and distribution-scoped (internal / broker-distributable / carrier-submission / regulator-response). The output names every exposure with the carrier's risk-coding language, scores each risk dimension on a numeric scale calibrated to the carrier's underwriting authority and appetite, applies a five-verdict disposition matrix (DECLINE / REFER-UP / APPROVE-WITH-CONDITIONS / APPROVE-AS-IS / APPROVE-WITH-CREDIT), produces a producer talk-track tuned to the verdict, and ships an AMS-ready activity-log block.

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 (BOP, GL, property, WC, auto, professional liability, cyber, environmental, EPLI, D&O), specialty risks (excess / umbrella, surplus lines, captive, MGA-fronted), middle-market and large accounts, and renewals where a loss-cause shift, a new exposure (acquisition, geography, product, headcount jump), or a market-shift triggers a deeper underwriting look. Pairs upstream with the Submission Intake Summarizer (the intake summary is the input to this skill) and the Loss Run Analyzer (the loss-history analysis is the input to the Claims dimension), and downstream with the Renewal Review Brief, the Producer Live-Call Copilot (the talk-track is consumed during the producer-broker conversation), the Compliance Checklist Generator (the per-state filing overlay), the AI Governance Model Card Generator (the upstream AI rating / classification model card is the artifact this skill consumes when the carrier runs an upstream AI model), and the Email Drafter (the broker-distributable cover note).

Required Input

Provide the following:

1. Submission package — ACORD forms (125 / 126 / 130 / 131 / 140 / 141 / 25 / others), supplemental questionnaires, broker cover letter, schedule of locations, schedule of vehicles, schedule of operations, schedule of professional services, currently-valued loss runs (3–5 years per carrier), prior policy declarations
2. Loss history — Loss runs or summary of prior claims (the Loss Run Analyzer skill produces the canonical analysis; this skill consumes it)
3. Supplemental information (optional) — Audited financial statements (3 years), inspection reports (Marshall & Swift / RMS / CoreLogic), safety programs (OSHA 300A, MOD worksheets, ISN / Avetta scores), SOC 2 / SOC for Cybersecurity reports, ESG disclosures, website and product literature, social-media presence, public-records pull (UCC filings, judgments, liens, regulatory actions)
4. Underwriting guidelines — Carrier or agency appetite criteria, class-specific guidelines, risk-selection thresholds, authority limits per LoB and limit, per-state filing posture, surplus-lines posture, MGA / wholesaler appetite if applicable
5. Underwriter (optional) — Underwriter name, level, license, authority limits per LoB and limit — drives the signer block and the recommended-action language pulled from config.yml.agency.signer_block.underwriter
6. Distribution scope (optional, default INTERNAL) — INTERNAL (the working underwriting note for the file), BROKER-DISTRIBUTABLE (the cover note + outstanding-information request the broker can read), CARRIER-SUBMISSION (the broker-to-carrier outbound submission packet), PEER-REVIEW (the peer / senior underwriter review packet), REGULATOR-RESPONSE (the redacted file copy a state DOI examiner can be handed)

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 — defensible to a peer reviewer, fair to the broker, and compliant with the carrier's filing posture and the state DOI's market-conduct expectations.

Before You Start

• Load config.yml for:
  • agency.name, agency.signer_block.underwriter (used on the working underwriting note), agency.signer_block.producer (used on the broker-distributable cover note), agency.signer_block.executive (used on the peer-review escalation packet)
  • underwriting.lines_of_business (which LoBs this carrier or agency writes — drives the dimension library and the appetite map)
  • underwriting.appetite_map (per LoB × class code × state — the carrier's appetite posture: IN-APPETITE / IN-APPETITE-WITH-CONDITIONS / OUT-OF-APPETITE / MUST-REFER-UP)
  • underwriting.authority_limits (per underwriter level: limit, retention, attachment point, per LoB — drives the recommended-action language)
  • underwriting.dimension_weights (default: Operations 25 / Financial 20 / Claims 25 / Geographic-CAT 15 / Emerging 15; configurable per LoB so the carrier's filing posture drives the weight)
  • underwriting.disposition_thresholds (the score band that maps to each verdict; defaults below)
  • underwriting.uw_efficiency_rules (new in v3.0 — primary efficiency hook) — per-LoB × per-class-code × per-state × per-premium-band auto-clear-eligibility threshold library and inference-vs-ask matrix for every standard risk-profile field. Every field the Insured Snapshot and the five risk dimensions need is classified required / inferable / confirm-after-infer / ask against the carrier's rule library. Inference-source chain (rule-prescribed in order): upstream Submission Intake Summarizer summary → upstream Loss Run Analyzer analysis → prior-policy / expiring-program record → broker submission packet → AMS/BMS record → D&B / Experian Business / Equifax Business credit feed → public-filing record (SEC EDGAR / Secretary of State) → ISO PolicyFinder / NICB ClaimSearch → SOC 2 / SOC-for-Cybersecurity report → inspection-report feed (Marshall & Swift / RMS / CoreLogic) → CAT-modeling feed → third-party data-aggregator (Verisk, Moody's RMS). Each inference carries explicit provenance and confidence; fields at or above the carrier's accepted confidence threshold are marked INFERRED — <source> — confidence <n>; fields below threshold are marked INFERENCE — UW CONFIRM and held for the underwriter rather than sent back to the broker. The Outstanding Information list (Step 4) is rule-pruned — it asks the broker only for fields the rule classifies as required AND ask (must be broker-attested AND not inferable) AND missing from the packet. Every Outstanding-Information entry cites the rule ID that requires the ask. Flag any LoB / class / state / premium-band tuple not covered by the rule library as NO EFFICIENCY RULE — UW DECISION and default to ask. This hook lets the skill self-populate the Insured Snapshot and dimension evidence on the first pass — chiefly by consuming the upstream Submission Intake Summarizer v4.0 and Loss Run Analyzer v3.0 outputs the carrier has already produced — so the broker is asked only for the genuinely-missing, genuinely-broker-attested residue. Inspired by the FNOL v3.0 fnol_efficiency_rules and Submission Intake Summarizer v4.0 submission_efficiency_rules patterns and the BriteCore Submission Intake & Readiness Copilot 80–90% manual-intake reduction empirical anchor.
  • agency.licensed_states, agency.surplus_lines_states, agency.carrier_appointments (per LoB and per state)
  • agency.ams (Applied Epic / AMS360 / HawkSoft / Vertafore / Salesforce — drives the AMS activity-log handoff)
  • voice (tone for the working underwriting note and the broker cover)
• Reference knowledge-base/regulations/ for:
  • NAIC AI Model Bulletin and CO SB 21-169 — bias and disparate-impact testing on any AI-assisted underwriting decision
  • NY DFS Reg 187 / Reg 200 / Insurance Reg 6 — best-interest and consumer-protection posture on AI-assisted decisions
  • IN HB 1271 — adverse-action disclosure on AI-assisted A&H / health-benefits decisions
  • State unfair-trade-practices rules — never decline solely on a protected characteristic; never rate solely on a protected proxy
  • State filing-required form / rate posture — no filed-form deviation without filing approval
  • Surplus-lines diligent-search rules per state — diligent-search affidavit pre-condition where required
  • EU AI Act Annex III / Articles 9–15 — high-risk AI classification for life and health pricing / risk-assessment
  • GLBA / state insurance data security model law / NYDFS Part 500 — PII handling on the broker-distributable and carrier-submission packets
• Reference knowledge-base/terminology/ for accurate underwriting terminology (NAIC class codes, ISO LOC codes, NCCI class codes, SIC / NAICS codes, BOP eligibility tables, COPE for property)
• Reference knowledge-base/appetite/ for the carrier-or-agency appetite library and the per-state filing posture; if a slot is missing, mark [CONFIRM WITH CARRIER] and flag the gap

Process

0. Efficiency-Rule Lookup (new in v3.0)

Resolve the applicable underwriting.uw_efficiency_rules entry per (LoB × class code × state × premium-band) before extracting facts. Stamp the rule ID at the top of the working underwriting note (EFFICIENCY-RULE: <id>). The resolved row drives the rest of the process: which fields are required, which are inferable (and from which source, in the rule-prescribed chain order), which need confirm-after-infer UW sign-off, and which must be asked of the broker. Before asking the broker for anything, consume the upstream Submission Intake Summarizer v4.0 summary and Loss Run Analyzer v3.0 analysis if they have already run on this account, and walk the inference-source chain for every inferable / confirm-after-infer field — record source and confidence on each. If no rule matches the tuple, set NO EFFICIENCY RULE — UW DECISION and proceed with the v2.0 baseline behavior as a fallback (do not block the analysis).

1. Extract and Organize

Build the Insured Snapshot — for every field, apply the efficiency-rule classification from Step 0 and mark each as provided / INFERRED — <source> — confidence <n> / INFERENCE — UW CONFIRM / ask:

• Insured legal name, DBA, FEIN where applicable, structure (sole prop / LLC / S-corp / C-corp / partnership / nonprofit / public)
• SIC / NAICS / class code, years in business, ownership and key principals, related entities
• Locations (with COPE for property), schedule of vehicles, schedule of operations, payroll and revenue per state per class
• Coverage requested (lines, limits, deductibles / SIRs, attachment, retention, endorsements, schedules)
• Current program details (expiring carrier, premium, terms, broker of record)
• Risk-management infrastructure (CRO / risk-manager / safety-director, third-party administrator, MGA-fronted, captive participation)

2. Score Each Risk Dimension

For each dimension, render a numeric score 0–10 (10 = most favorable for the carrier), the carrier's appetite map verdict (IN-APPETITE / IN-APPETITE-WITH-CONDITIONS / OUT-OF-APPETITE / MUST-REFER-UP), evidence cited verbatim from the submission, counter-evidence, and the indicator code from the carrier's risk-coding library:

• Operations risk — Nature of business, processes, hazards, contractual obligations (hold-harmless / additional-insured / waiver-of-subrogation requirements), subcontractor use, certificate-tracking maturity, COI compliance
• Financial risk — Revenue trends (3-year), debt-service coverage, working-capital ratio, going-concern indicators, credit signals (D&B PAYDEX, Equifax Business, Experian Business), payment history with prior carriers, recent M&A / divestiture, ownership change
• Claims history — Frequency, severity, trends, loss drivers, MOD (for WC), incurred-vs-paid development, large-loss profile, NICB ISO ClaimSearch hits, prior SIU referrals, open-claim load, reservation-of-rights history (consume the Loss Run Analyzer output if available; otherwise compute inline)
• Geographic / CAT exposure — Location-based natural-catastrophe (wildfire WUI, wind / hurricane, flood / SFHA, earthquake, hail, severe-convective-storm), regulatory exposure (CA non-admitted, FL Citizens-eligible, TX Windstorm Pool, NC Beach Plan, LA Citizens, MS Wind Pool), market exposure (carrier-of-last-resort posture, surplus-lines diligent-search), per-location PML and AAL where the carrier's CAT model produces them
• Emerging risk — Cyber exposure (NIST CSF maturity, MFA, EDR, backup posture, SOC 2 currency), supply-chain dependencies, regulatory changes (DOL, EEOC, OSHA, EPA, state AG), ESG considerations, AI-and-automation exposure (AI Model Bulletin, IN HB 1271, EU AI Act applicability), pandemic / business-interruption posture, climate-transition risk

The composite score is the weighted average using underwriting.dimension_weights (default 25/20/25/15/15). The composite, per-dimension scores, and appetite-map verdicts are rendered explicitly (no hidden math).

3. Risk-Quality Indicators

Build a balanced view:

• Positive differentiators — Safety programs (OSHA 300A trend, MOD < 1.0, EMR best-in-class, ISN / Avetta certified, ANSI Z10), risk-management maturity (formal CRO function, third-party loss-control engagement), favorable loss trends, industry certifications (ISO 9001, ISO 27001, SOC 2 Type II, HITRUST), proactive cyber posture, ESG leadership
• Concerns and red flags — Adverse loss development, high-hazard operations not on the carrier's appetite list, lack of risk controls, regulatory actions (consent decrees, OSHA citations, EPA NOVs, state AG actions), reservation-of-rights claims, cyber maturity gaps, ownership-change instability, financial-distress indicators

4. Disposition Matrix

Map the composite score and the appetite-map verdicts to a disposition. Defaults:

For each verdict, also recommend:

• Subjectivities (warranty endorsement, deductible / SIR step-up, sub-limit, exclusion endorsement, loss-control recommendation, certificate-tracking remediation, MFA / EDR rollout, audit timing)
• Outstanding information (the broker-distributable list — the questions the broker needs to answer before bind). This list is rule-pruned against the efficiency-rule resolved in Step 0: it asks the broker only for fields the rule classifies as required AND ask (broker-attested AND not inferable) AND missing from the packet. Each entry cites the rule ID. Fields inferred at or above the confidence threshold are surfaced in the body marked INFERRED — <source> — confidence <n> and do not appear here. Fields inferred below threshold go to an internal-only UW-Confirm List (the underwriter confirms internally rather than forcing a second broker contact)
• Carrier-of-record assignment (which paper, which line, which limit)
• Surplus-lines posture (when the LoB / state / risk profile indicates an admitted decline → E&S placement; the diligent-search affidavit precondition)
• Reinsurance triggers (attachment, fac-cession, treaty submission)

5. AI-Bias and Disparate-Impact Check

• Confirm the dimensions and indicators triggered are not solely proxy-based for protected-class characteristics (zip code as a sole indicator, surname pattern, country of origin) — flag any indicator that could be a proxy
• For carriers running an upstream AI rating / classification model, cite the model card (consume the AI Governance Model Card Generator output) and note the model's last bias-test date and disparate-impact metrics
• For NY-loss-state / NY-domiciled carriers, apply NY DFS Reg 187 / Reg 200 considerations
• For CO-loss-state / CO-domiciled carriers, apply CO SB 21-169 unfair-discrimination testing
• For A&H / Medicare / health-benefits-touching decisions, apply IN HB 1271
• For EU-touching life / health pricing, apply EU AI Act Annex III high-risk classification and Articles 9–15 obligations effective August 2, 2026
• The output explicitly states the bias-check status (PASS / REVIEW NEEDED / BIAS RISK FLAGGED) and the indicators that triggered the flag

6. Producer / Broker Talk-Track

Tuned to the verdict:

• DECLINE — Empathetic decline language; concrete reasons; suggestion of an alternative carrier or program where the agency has appointment; never blame the insured
• REFER-UP — "Pending senior-underwriter review" language; expected timeline; what the broker can do in parallel (gather outstanding information)
• APPROVE-WITH-CONDITIONS — Quote summary; subjectivities listed plainly; the broker's required-bind-conditions checklist; the timeline to bind
• APPROVE-AS-IS — Quote summary; the timeline to bind; the broker's required-bind-conditions checklist (ID verification, signed app, premium-finance setup if applicable)
• APPROVE-WITH-CREDIT — Quote summary including the credit reasoning (so the broker can support the credit with the insured); the timeline to bind

The talk-track is short (≤ 200 words), producer-voice, and ready to drop into the Producer Live-Call Copilot as the next-best line during the broker conversation.

7. Distribution-Scope-Aware Packet Production

Render the report in parallel scoped versions:

• INTERNAL — Working underwriting note. Full reasoning, every indicator, every counter-indicator, the appetite-map verdict, the bias-check, the authority-check. Signer block: agency.signer_block.underwriter
• BROKER-DISTRIBUTABLE — The cover note + outstanding-information request the broker can read. The verdict, the subjectivities, the outstanding-information list, the bind-timeline. PII-redacted (no SSN, no DOB, no medical, no internal commentary). Signer block: the producer or the underwriter per agency.review_response_house_rules. Drafted via the Email Drafter skill
• CARRIER-SUBMISSION — The broker-to-carrier outbound submission packet (when the agency is wholesaling to a carrier or a market). Insured snapshot, exposure summary, loss summary, requested terms, the broker's own underwriter narrative
• PEER-REVIEW — The peer / senior-underwriter review packet — the working note plus an explicit "what I'm asking for" from the senior underwriter (cover authority, decline authority, schedule-credit, exception). Signer block: agency.signer_block.underwriter plus the requested reviewer
• REGULATOR-RESPONSE — The redacted file copy a state DOI examiner can be handed. Removes the broker's commentary, removes producer-commission strategy, retains the appetite verdict, the bias-check, and the disposition. Signer block: agency.signer_block.compliance-officer. Routed through compliance counsel before submission

The skill produces every scope the user requested; if no scope is specified, the default bundle is INTERNAL.

8. AMS / CRM Activity-Log Handoff

Append a short AMS Activity-Log Block after the working note:

ACTIVITY-LOG: [Insured] · [LoB] · [Eff date] · [Verdict] · [Premium est] · [Subjectivities count] · [Outstanding-info count] · [Underwriter]

Format adapts to config.yml.agency.ams:

• Applied Epic: Activity Type | Description | Follow-up Date | Owner
• AMS360: Suspense | Description | Due | Assigned
• HawkSoft: Tag | Memo | Suspense | Owner
• Vertafore: Note Type | Detail | Diary | Producer
• Salesforce: Activity Subject | Comments | Due Date | Owner

9. Quality Check Before Returning

• EFFICIENCY-RULE: <id> stamped on the working note (or NO EFFICIENCY RULE — UW DECISION if unmapped); every inferred field carries INFERRED — <source> — confidence <n> provenance and the Outstanding Information list is rule-pruned with each ask citing its rule ID
• Every dimension scored with evidence and counter-evidence cited verbatim
• Composite score, dimension weights, and appetite-map verdicts shown explicitly
• Disposition matched to the carrier's underwriting.disposition_thresholds
• Authority-check shown — the recommended action stays within the underwriter's authority or is rendered as a routing recommendation
• Bias-check status shown
• Subjectivities, outstanding-information list, and surplus-lines / reinsurance triggers rendered
• Producer talk-track tuned to the verdict
• Distribution-scoped packets produced for every requested scope (default INTERNAL)
• Signer blocks pulled from config.yml.agency.signer_block per the resolved sender role
• AMS activity-log block in the user's AMS format
• PII-redaction applied on every non-INTERNAL scope per the rule above

Output Requirements

• Structured report with sections: Insured Snapshot, Risk Assessment (per-dimension scoring), Claims Summary, Risk-Quality Scorecard, Composite Score and Appetite-Map Verdict, Bias-Check Status, Authority Check, Disposition and Recommended Action, Subjectivities, Outstanding Information, Surplus-Lines / Reinsurance Triggers, Producer Talk-Track, Distribution-Scoped Packets
• Risk-Quality Scorecard rates each dimension as Favorable / Acceptable / Concerning plus a 0–10 numeric score and an appetite-map verdict
• Professional formatting appropriate for the underwriting workbench and the peer-review queue
• Correct industry terminology (no generic business-speak); class codes / endorsement form numbers cited verbatim
• Disposition rendered explicitly with the carrier's verdict-to-action mapping
• Producer talk-track ≤ 200 words, producer-voice, drop-in-ready for the Producer Live-Call Copilot
• AMS activity-log block in the user's AMS format
• Distribution-scoped packets produced for every requested scope (default INTERNAL)
• Saved to outputs/ if the user confirms

Cross-References

• operations/submission-intake-summarizer.md — the upstream artifact this skill consumes
• operations/loss-run-analyzer.md — the upstream artifact this skill consumes for the Claims dimension
• operations/renewal-review-brief.md — the renewal-cycle counterpart that re-uses the dimension scoring and appetite-map verdict
• sales/producer-live-call-copilot.md — consumes the producer talk-track during the broker conversation
• sales/policy-comparison-builder.md — consumes the disposition and the subjectivities when the broker presents a comparison
• admin/compliance-checklist-generator.md — the per-state filing overlay
• admin/ai-governance-model-card-generator.md — the upstream AI rating / classification model card
• _shared/email-drafter.md — used to draft the broker-distributable cover note and the decline-to-quote letter
• customer-service/coverage-explanation-letter.md — the next-up artifact when the disposition turns into a written coverage position
• operations/coi-compliance-reviewer.md — referenced when the subjectivities include a certificate-of-insurance remediation

Anti-Patterns

• Asserting an appetite verdict the carrier's appetite map does not support — broker-relationship damage and filed-rate risk
• Rendering a recommended action that exceeds the underwriter's authority — authority violation
• Using zip code, surname pattern, or country of origin as a sole indicator — proxy-discrimination exposure
• Treating an upstream AI rating score as a finding rather than a signal — model-risk and IN HB 1271 / NY DFS Reg 187 exposure
• Omitting the surplus-lines diligent-search affidavit when the verdict is admitted-decline → E&S placement — surplus-lines compliance violation
• Writing a quote with subjectivities the broker cannot satisfy by the bind date — broker-of-record relationship damage
• Skipping the filed-form / filed-rate check on a state with strict-form posture (NY / FL / TX / CA / IL / MA / WA / NJ) — filing violation

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.]

Versioning

• v3.0 (this version) — Efficiency pass. Wired config.yml.underwriting.uw_efficiency_rules (primary efficiency hook) — per-LoB × per-class-code × per-state × per-premium-band auto-clear-eligibility threshold library and inference-vs-ask matrix. Every risk-profile field is classified required / inferable / confirm-after-infer / ask against the carrier's rule library, with a rule-prescribed inference-source chain (upstream Submission Intake Summarizer v4.0 summary → upstream Loss Run Analyzer v3.0 analysis → prior-policy record → broker packet → AMS/BMS → D&B/Experian/Equifax credit feed → public-filing record → ISO PolicyFinder / NICB → SOC 2 → inspection-report feed → CAT-modeling feed → third-party aggregator) carrying explicit provenance and confidence. New Step 0 (efficiency-rule lookup) before fact extraction; EFFICIENCY-RULE: <id> stamp on the working note; INFERRED — <source> — confidence <n> provenance on every inferred field; rule-pruned Outstanding Information list (asks the broker only for required + ask + missing fields, each citing its rule ID); internal-only UW-Confirm List for sub-threshold inferences; NO EFFICIENCY RULE — UW DECISION fallback to v2.0 behavior for unmapped tuples. Strict superset of v2.0 — every v2.0 capability is preserved (appetite map, per-dimension 0–10 scoring + weights, five-verdict disposition matrix, AI-bias / disparate-impact check, authority-check, producer talk-track, distribution-scoped parallel rendering, AMS activity-log handoff, per-role signer blocks, anti-patterns, expanded dimension library). Cross-references updated to consume Submission Intake Summarizer v4.0 and Loss Run Analyzer v3.0. Dimension move: Efficiency 7 → 9 (Step 0 lookup + inference-source chain + rule-pruned Outstanding Information + UW-Confirm List); all other dimensions held.
• v2.0 — Carrier or agency appetite map driven by config.yml.underwriting.appetite_map per LoB × class code × state with explicit verdicts (IN-APPETITE / IN-APPETITE-WITH-CONDITIONS / OUT-OF-APPETITE / MUST-REFER-UP); per-dimension 0–10 scoring with weights from config.yml.underwriting.dimension_weights (default 25/20/25/15/15) and the composite shown explicitly; five-verdict disposition matrix (DECLINE / REFER-UP / APPROVE-WITH-CONDITIONS / APPROVE-AS-IS / APPROVE-WITH-CREDIT) with verdict-to-action mapping including subjectivities, outstanding-information list, surplus-lines posture, and reinsurance triggers; AI-bias and disparate-impact check (CO SB 21-169 / NY DFS Reg 187 / IN HB 1271 / NAIC AI Model Bulletin / EU AI Act Annex III) with explicit PASS / REVIEW NEEDED / BIAS RISK FLAGGED status; authority-check against config.yml.underwriting.authority_limits so recommendations stay within the underwriter's authority or render as routing recommendations; producer talk-track tuned to the verdict (≤ 200 words, drop-in for Producer Live-Call Copilot); distribution-scoped parallel rendering (INTERNAL / BROKER-DISTRIBUTABLE / CARRIER-SUBMISSION / PEER-REVIEW / REGULATOR-RESPONSE) with per-scope redaction rules; AMS activity-log handoff in the user's AMS format (Applied Epic / AMS360 / HawkSoft / Vertafore / Salesforce); per-role signer blocks (underwriter / producer / executive / compliance-officer); cross-references to Submission Intake Summarizer, Loss Run Analyzer, Renewal Review Brief, Producer Live-Call Copilot, Policy Comparison Builder, Compliance Checklist Generator, AI Governance Model Card Generator, Email Drafter, Coverage Explanation Letter, COI Compliance Reviewer; explicit anti-patterns section; expanded dimension library (cyber NIST CSF maturity, ESG, AI-and-automation exposure, climate-transition, supply-chain, regulatory-action history)
• v1.0 — Insured Snapshot, Risk Assessment (5 dimensions: Operations / Financial / Claims / CAT / Emerging), Claims Summary, Risk Quality Scorecard (Favorable / Acceptable / Concerning), Underwriting Recommendations, Outstanding Questions. (Now superseded — every v1.0 capability is preserved in v2.0.)