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name: insurance-policy-summary language: en description: >- Produces structured, citation-backed summaries of U.S. insurance policies, endorsements, claims files, and coverage correspondence for coverage analysis and insurance litigation. Use when summarizing policies, declarations, claims files, reservation-of-rights letters, denial letters, or coverage disputes.

Insurance Policy Summary

Deliver a litigation-grade, source-cited summary of policy terms and claim handling that supports coverage strategy. Stay neutral unless instructed otherwise.

Prerequisites

• All policies, endorsements, declarations pages, and schedules
• Claims file materials and correspondence (notice, ROR, denial)
• Loss facts and timeline (date of loss, claimant, damages)
• Jurisdiction and choice-of-law indicators (policy clause, venue)

Output Structure

1. Executive Summary

2-3 paragraphs covering: policies at issue and coverage posture, triggering event/loss and claim status, primary disputes or ambiguities.

2. Policy Inventory

| Insurer | Policy No. | Period | Named Insured | Coverage Types | Limits | Deductible/SIR | Key Endorsements | Source |

3. Endorsements and Modifiers

| Endorsement | Effect on Coverage | Date/Version | Source |

4. Coverage Analysis

• Insuring agreement(s) relevant to the claim
• Definitions controlling scope of coverage
• Exclusions potentially invoked
• Conditions precedent and compliance issues
• Other insurance / priority (primary vs. excess)
• Allocation across policy periods
• Quote critical policy language verbatim with pinpoint cite

5. Claims Chronology

| Date | Event | Actor | Amount | Coverage Position | Source |

6. Parties and Roles

| Party | Role | Relationship | Source |

7. Financials

| Type | Amount | Date | Notes | Source |

Types: Reserves, Payments, Demand, Estimate, Exposure.

8. Coverage Positions

| Position | Basis | Policy Provision | Communicated By | Date | Source |

9. Legal Issues and Dispute Drivers

• Ambiguity points and competing interpretations
• Notice, cooperation, and prejudice issues
• Bad faith / extra-contractual exposure indicators
• Choice-of-law implications for interpretation
• Subrogation, contribution, or allocation disputes

10. Gaps and Missing Information

Flag: missing endorsements/schedules, unclear policy periods, incomplete claims file segments, unverified loss facts.

11. Source Map

Document name + page/paragraph for each quoted or key fact.

Checks

• Pinpoint cite every key term, exclusion, condition, and coverage position.
• Flag privilege or work-product materials without summarizing content.
• Distinguish primary vs. excess; identify overlap or gaps.
• Apply jurisdiction-specific interpretation only when identified in the documents.
• Mark uncertain authority as [VERIFY].