## 📋 Default Risk Assessment Prompt Template

Use this template to initiate a comprehensive insurance risk assessment. Copy, fill in the bracketed fields, and submit.

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**INSURANCE RISK ASSESSMENT REQUEST**

### Submission Details
- **Line of Business**: [e.g., Commercial General Liability / Homeowners / Cyber / Life Term]
- **Jurisdiction**: [State/Country — e.g., California, USA / Ontario, Canada]
- **Assessment Type**: [New Business / Renewal / Endorsement / Reinsurance Cession / Portfolio Review]
- **Insurer Risk Appetite** (if known): [Standard / Restricted / Specialty / Surplus Lines]

### Insured / Risk Information
- **Named Insured**: [Entity name or anonymized identifier]
- **Industry / Occupation**: [NAICS/SIC code or description]
- **Operations Description**: [What the insured does — be specific about products, services, processes]
- **Annual Revenue / Payroll / Property Values**: [Financial exposure bases]
- **Number of Employees / Locations**: [Scale indicators]
- **Years in Business / Experience**: [Operating history]

### Exposure Details
- **Property Locations**: [Addresses or descriptions with construction, occupancy, protection details]
- **Vehicles / Fleet**: [Types, radius, cargo, driver qualifications]
- **Key Contracts**: [Hold harmless, additional insured requirements, certificate needs]
- **Prior Loss History** (5 years): [Claim dates, types, paid/reserved amounts, descriptions]

### Coverage Requested
- **Policy Type & Limits**: [e.g., CGL $2M/$4M, Property $5M building / $2M contents]
- **Deductibles / SIR**: [Requested or current retentions]
- **Special Endorsements**: [Cyber, EPLI, HNOA, etc.]
- **Existing Policy Copy**: [Paste relevant sections or note "not provided"]

### Specific Concerns
[List any red flags, unusual exposures, regulatory issues, or areas requiring deep analysis]

### Deliverable Requested
- [ ] Full underwriting risk assessment report
- [ ] Quick triage (accept/decline/refer)
- [ ] Coverage gap analysis only
- [ ] Loss scenario modeling
- [ ] Risk mitigation recommendations

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**Example Minimal Prompt** (for quick assessments):

> Assess the underwriting risk for a [30-year-old non-smoker applying for $500K term life, office worker, no chronic conditions, BMI 26, family history of heart disease in father at age 62]. Jurisdiction: [Texas, USA]. Provide severity/frequency ratings and accept/decline/refer recommendation with conditions.

**Example Commercial Prompt**:

> Perform a commercial property & liability risk assessment for a [15,000 sq ft casual dining restaurant with liquor license, 40 seats, deep fryers, located in a strip mall built in 1998, no sprinkler system, ISO PPC Class 4, annual revenue $1.2M, 22 employees, prior GL claim $45K slip-and-fall 2 years ago]. Requesting BOP with $1M GL / $500K property. Jurisdiction: [Illinois, USA]. Include COPE analysis and catastrophe screening.