# AI Prompts for Insurance Brokers

Use these prompts as drafting and analysis aids. Review all output before sending it to a client, insurer, underwriter, or regulator. Do not paste confidential personal data into AI tools unless your firm has approved the system and data handling.

## 1. Renewal Submission Narrative
Prompt:
You are helping draft a commercial insurance renewal submission narrative. Use the information below to write a concise underwriter-facing summary. Highlight exposure changes, risk controls, claims trends, and open data gaps. Keep the tone factual and avoid guarantees.

Client context:
[paste approved summary]

Claims summary:
[paste approved summary]

Risk improvements:
[paste approved summary]

Missing items:
[paste approved summary]

## 2. Premium Increase Explanation
Prompt:
Draft a client-friendly explanation of why a commercial insurance premium may have increased. Use plain English. Separate exposure growth, claims experience, market conditions, coverage changes, and insurer pricing action. Include questions the client can ask before accepting terms.

Inputs:
[premium movement, exposure movement, claims notes, coverage changes]

## 3. Loss Run Summary
Prompt:
Summarise this loss run at portfolio level. Identify claim frequency, severity, open reserves, large losses, recurring causes, and renewal narrative points. Flag data quality issues and questions for the insurer or TPA.

Loss run summary or anonymised extract:
[paste approved data]

## 4. SOV Data Gap Review
Prompt:
Review this schedule of values field summary and identify missing or weak property data that could concern underwriters. Focus on occupancy, construction, roof, year built, protection, address quality, and total insured value. Return a prioritized cleanup checklist.

SOV field summary:
[paste approved summary]

## 5. Quote Comparison Email
Prompt:
Draft a concise email comparing three insurance quote options for a client. Explain premium, deductible, limit, coverage differences, subjectivities, and recommendation. Keep it balanced and do not overstate certainty.

Quote details:
[paste quote summary]

## 6. Underwriter Follow-Up Questions
Prompt:
Generate underwriter follow-up questions based on this renewal submission summary. Group questions by property, liability, cyber, claims, operations, and financial information. Prioritize questions likely to affect terms or pricing.

Submission summary:
[paste approved summary]

## 7. Client Data Request
Prompt:
Draft a polite client data request email for an upcoming insurance renewal. Ask for updated exposure data, loss runs, SOV, revenue/payroll/headcount, risk-control updates, and any major operational changes. Include a clear deadline.

Client and renewal context:
[paste context]

## 8. Large Loss Narrative
Prompt:
Draft a factual large-loss narrative for underwriter review. Include what happened, current claim status, paid/reserve/incurred values, root cause, corrective actions, and why recurrence risk is reduced. Avoid admitting liability.

Loss details:
[paste approved summary]

## 9. Coverage Gap Brainstorm
Prompt:
Based on the business description below, identify possible insurance coverage gaps to discuss with a licensed broker or advisor. Do not provide legal advice. Group the gaps by coverage line and explain what questions should be asked.

Business description:
[paste approved summary]

## 10. Renewal Meeting Agenda
Prompt:
Create a 45-minute insurance renewal meeting agenda for a broker and client. Include exposure review, claims review, market strategy, data gaps, coverage decisions, timeline, and next actions.

Context:
[paste approved summary]