underwriting-narrative
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.
npx skills add mohitagw15856/pm-claude-skills --skill underwriting-narrative --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Underwriting Narrative Skill An underwriting file must let a peer reconstruct *why* the risk was written, at those terms, at that price — years later, possibly in front of an auditor or a large loss. This skill writes that narrative: the risk story, the numbers behind it, and the reasoning connecting them to the terms offered. ## What This Skill Produces - A risk story (who the insured is, what they do, why they're buying now) - Exposure quantification (values at risk, limits deployed, estimated/probable maximum loss) - A loss-history read distinguishing frequency from severity signals - Mitigating and aggravating factors, weighed - Terms rationale — subjectivities, exclusions, deductibles, each with a reason - Appetite fit and a refer-or-bind recommendation ## Required Inputs Ask for what's missing; from a thin submission, proceed and mark gaps `[information required before bind]`: - **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, subjecti
- What This Skill Produces
- Required Inputs
- Narrative Framework
- Output Format
- Underwriting narrative: [insured / line / inception date]
- Quality Checks
- Anti-Patterns
What does the underwriting-narrative skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill underwriting-narrative --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.