coverage-gap-finder

Compare active policies against changed client risk exposures to identify coverage gaps.

Updated Jun 20, 2026
One-click install
npx skills add https://github.com/Sigmacodeat/subsumio-web --skill coverage-gap-finder
Or copy as Structured Prompt for Agent
Please help me install this Agent Skill.
Skill: coverage-gap-finder
Source: https://github.com/Sigmacodeat/subsumio-web/tree/main/server/skills/coverage-gap-finder
Command: npx skills add https://github.com/Sigmacodeat/subsumio-web --skill coverage-gap-finder

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

This Skill helps brokers identify missing or insufficient insurance coverage by comparing a client's active policies with their current risk situation, preventing overlooked exposures and improving duty-of-care reviews.

Core Features & Use Cases

  • Coverage Comparison: Reviews existing policies against changed circumstances such as new assets, activities, contracts, or business growth.
  • Gap Identification: Flags uncovered or underinsured exposures and maps each gap to a suggested coverage line.
  • Use Case: A broker can analyze a client who acquired new vehicles and signed new contracts to find missing liability or asset protection before a formal needs assessment.

Quick Start

Ask the coverage-gap-finder skill to analyze a client's current policies and identify coverage gaps after a recent business or personal risk change.

Frequently Asked Questions about coverage-gap-finder

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I identify insurance coverage gaps when a client's risk exposure changes?

To identify insurance coverage gaps, compare active client policies against changed risk exposures like new assets or contracts. This process flags uncovered exposures and maps each gap to suggested coverage lines for advisory recommendations.

What is underinsurance review and when do I need to perform one?

An underinsurance review is a needs analysis comparing active policies against current client risk exposures. You need to perform one when clients acquire new assets, sign contracts, or undergo business changes to prevent overlooked exposures.

How do I conduct a policy review for new assets and business activities?

Conduct a policy review by retrieving active client policies and comparing them against new assets or business activities. This needs assessment identifies missing liability or asset protection and generates cited coverage inventories.

Can I use this coverage gap analysis for formal binding insurance advice?

No, coverage gap analysis outputs are validated to ensure they are not binding insurance advice. The results provide advisory recommendations and flag underinsured exposures for brokers to review during duty-of-care workflows.

Does coverage gap identification work for both personal and business risk changes?

Yes, coverage gap identification works for both personal and business risk changes. It compares existing policies against changed circumstances like new vehicles, contracts, or business growth to find missing liability or asset protection.

What is the best way to map missing coverage lines to flagged risk exposures?

The best way to map missing coverage lines is to compare active policies against changed client risk exposures. This generates a cited coverage inventory mapping each flagged gap to a suggested coverage line for broker review.