UN
Underwriting Narrative
🔵 Stable🕐 updated 2026-07-14
🔷 SkillSpec L3
pm-insurance
Write the underwriting file narrative for a risk: the risk story, exposure quantification, loss-history read, mitigating and aggravating factors, terms and subjectivities rationale, appetite fit, and a refer-or-bind recommendation. Use when asked to write up an underwriting file, document why we're writing a risk, prepare a referral to a senior underwriter, or justify terms and exclusions on a submission. Produces a complete underwriting narrative ready for the file or referral.
What to give it
▸The risk — insured, operations, geography, line of business
▸Exposure figures — sums insured/TIV, revenue, headcount, limits sought
▸Loss history — ideally 5 years, with dates, causes, incurred amounts, open/closed
▸Proposed terms — limit, deductible, premium, exclusions, subjectivities
▸Appetite / guidelines context — target classes, referral thresholds, if available
✅ 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.
✓The "why now" of the submission is answered, especially for remarketed business
✓Loss read explicitly separates frequency from severity and states which one drives terms
✓Every exclusion and subjectivity has a stated rationale; subjectivities have deadlines
✓Unverified mitigants are converted to subjectivities, not counted as credits
✓Recommendation names the specific referral trigger if referring
✓Data gaps are marked `[information required before bind]`, not papered over
⚠️ What it refuses to do
Do not write a description in place of a narrative — every fact must connect to a term, a price, or the recommendation
Do not treat a short clean loss record as proof of good risk — label it as limited data
Do not list a mitigant you cannot verify without making it a subjectivity
Do not bury an outside-appetite feature in the middle of the file — surface it in the recommendation
Do not invent loss figures or survey findings — mark unknowns `[to confirm]`
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="underwriting-narrative"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Underwriting Narrative is one of 625 open-source professional AI agent skills — all SkillSpec L3.
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