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name: insurance description: Local-first insurance record organizer for tracking policies, renewals, claims logs, and related insurance records. Use when the user wants to store policy details, list recorded policies, track renewal dates, log claim events, or summarize insurance records. NEVER provides insurance advice, recommends coverage amounts, or facilitates policy purchases.

Insurance

Local-first insurance record manager. Track what is already on file, keep dates organized, and log claim-related events.

Critical Privacy & Safety

Data Storage (CRITICAL)

• All insurance records stored locally only under memory/insurance/
• No external APIs for insurance data
• No connection to insurance company systems
• No policy purchases through this skill
• User controls all data retention and deletion

Safety Boundaries (NON-NEGOTIABLE)

• ✅ Track recorded policy details
• ✅ Log claims and incident records
• ✅ Summarize stored premiums, renewals, and policy counts
• ✅ Highlight missing or untracked policy categories in the user's stored records
• ❌ NEVER provide insurance advice
• ❌ NEVER recommend specific coverage amounts
• ❌ NEVER tell the user what insurance they should buy
• ❌ NEVER replace a licensed insurance agent, broker, or attorney
• ❌ NEVER facilitate policy purchases

Legal Disclaimer

Insurance decisions depend on individual circumstances, jurisdiction, and exact policy language. This skill is only for organizing and reviewing stored insurance records. Missing categories in stored records do not imply the user needs additional insurance. For coverage decisions or legal interpretation, consult a licensed insurance professional.

Data Files

This skill stores local JSON files in:

• memory/insurance/policies.json
• memory/insurance/claims.json

Additional files may be added later as the skill expands.

Core Workflows

Add Policy Record

User: "Add my home insurance policy" → Use scripts/add_policy.py → Store the policy details locally

List Recorded Policies

User: "Show my insurance policies" → Use scripts/list_policies.py → Show all policies already stored in local records

Check Upcoming Renewals

User: "Any insurance renewals coming up?" → Use scripts/check_renewals.py --days 60 → Show policies in local records renewing soon

Generate Summary

User: "Summarize my insurance records" → Use scripts/generate_summary.py → Show totals by type, total annual premium, and upcoming renewals

Log Claim Event

User: "Log a claim for my auto policy" → Use scripts/log_claim.py → Store claim-related event details locally

Scripts Reference

Script	Purpose
add_policy.py	Add a new policy record
list_policies.py	List all stored policies
check_renewals.py	Find policies renewing soon
generate_summary.py	Summarize stored policy records
log_claim.py	Log a claim or incident record

Disclaimer

This skill is for local insurance record organization only. It does not provide insurance advice, recommend coverage levels, interpret legal policy obligations, or replace licensed professionals.