What do I need to use Policy Renewal Review?

Current policy summary; What changed in the business; Claims experience; Renewal timeline and incumbent signals.

Is Policy Renewal Review free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Policy Renewal Review

Q: How do I know the Policy Renewal Review output is good?

The skill verifies itself against its own quality checks: Every declared business change has a covered/endorse/new-cover tag; Limit tests use current values (rebuild cost, current gross profit), not stale declared values; BI indemnity period is explicitly tested, not assumed at 12 months; Every significant loss has a fix narrative attached for the negotiation.

🔵 Stable🕐 updated 2026-07-14 🔷 SkillSpec L3 pm-insurance

Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing expectations, frame market alternatives, and arm the broker negotiation. Use when asked to prepare for a policy renewal, review cover before renewal, check if limits are still adequate, or build renewal negotiation points. Produces a structured renewal review with gap findings, limit assessment, pricing outlook, and negotiation points.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

What to give it

▸Current policy summary — lines, limits, deductibles, key exclusions, premium

▸What changed in the business — revenue, headcount, locations, products, M&A, new contracts, digital/cyber footprint

▸Claims experience — losses this period and prior years, open reserves

▸Renewal timeline and incumbent signals — (rate guidance, appetite noises), if known

✅ 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 declared business change has a covered/endorse/new-cover tag

✓Limit tests use current values (rebuild cost, current gross profit), not stale declared values

✓BI indemnity period is explicitly tested, not assumed at 12 months

✓Every significant loss has a fix narrative attached for the negotiation

✓Negotiation points are ranked by value at stake, each with a supporting fact

✓Assumptions are labelled `[assumed — verify at renewal]`

⚠️ What it refuses to do

Do not roll limits forward unexamined — indexation drift is the most common renewal failure

Do not treat remarketing as a free negotiating card — recommend it only if the insured would credibly move

Do not present the claims record without remediation narratives — unexplained losses price worst

Do not recommend deductible increases without stating the retained-volatility trade-off in money terms

Do not invent market rate movements — label market context `[to confirm with broker]`

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-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="policy-renewal-review"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Policy Renewal Review is one of 599 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog