CG
Coverage Gap Analysis
🔵 Stable🕐 updated 2026-07-14
🔷 SkillSpec L3
pm-insurance
Map an organisation's risks against its insurance policy portfolio to find what's uncovered, underinsured, or double-covered. Use when asked to run a coverage gap analysis, review an insurance programme against a risk register, check what risks aren't insured, or audit a policy portfolio. Produces a risk-by-coverage matrix, flagged gaps and overlaps, a deductible stack review, and recommendations ranked by expected-loss severity.
What to give it
▸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
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Every register risk appears in the matrix with exactly one status flag
✓Underinsurance verdicts cite a worst-case scenario, not a gut feel
✓"Consciously retained" appears only where management explicitly accepted the risk
✓Double-coverage findings name the other-insurance/priority question
✓Deductible stack is compared to a stated risk tolerance figure
✓Recommendations are ranked with severity dominating frequency
⚠️ What it refuses to do
Do not mark a risk "covered" on policy line name alone — check the limiting exclusion or sublimit in the cell
Do not treat silence as acceptance — an undiscussed gap is "uncovered", never "retained"
Do not rank by likelihood alone — a remote solvency-threatening gap outranks a frequent small one
Do not ignore overlaps because "more cover is fine" — overlap creates claims disputes; name who pays first
Do not invent policy terms or limits — mark unavailable wordings `[to confirm]` and say what the answer changes
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="coverage-gap-analysis"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Coverage Gap Analysis is one of 599 open-source professional AI agent skills — all SkillSpec L3.
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