Rnw Insurance Renewal

---
name: rnw-insurance-renewal-specialty-chemicals
task_id: insurance/rnw-insurance-renewal
description: Agents analyzing insurance renewals should compute nominal rate changes while also assessing coverage restrictions, exposure changes, and claim-trend effects; they should link new exclusions to pending or historical exposures, and produce a negotiation-ready structure with issue-by-issue recommendations.
activates_for: [planner, solver, checker]
---

# Skill: Insurance Renewal Analysis — Specialty Chemicals Client

## 1. Subject-matter triage (only if applicable)

- Treat the assignment as a renewal comparison and negotiation memo, not a generic summary.
- Identify each renewal proposal, each line of coverage, and each claims-history item before analysis.
- If multiple proposals, periods, facilities, layers, or insured entities are in scope, enumerate them first and analyze each separately rather than blending them into one pass.
- Use the expiring program as the baseline for all change analysis.

## 2. Failure modes the skill is correcting

- The premium change is reported only at the nominal level, without adjusting for narrower coverage, higher retentions, lower sublimits, changed triggers, or changed exposure.
- A new exclusion or tighter form is described abstractly instead of being tied to the client’s actual contamination, products, or litigation exposure.
- A retro-date shift, reporting-condition change, or defense-within-limits structure is treated as technical wording rather than a real gap in available protection.
- Claims history is recited without using it to test whether the renewal preserves meaningful protection for recurring loss patterns.
- Contractual insurance requirements are ignored, leaving a renewal that may create breach risk even if the pricing looks acceptable.
- Dollar impacts at specific facilities or programs are left in qualitative form when the source materials permit quantification.
- Recommendations are stated without an explicit negotiation posture or timing urgency.
- Separate changes that operate together are analyzed in isolation, causing the memo to understate combined loss of protection.

## 3. Legal frameworks / domain conventions that apply

- Renewal analysis should distinguish nominal premium movement from effective premium movement after accounting for restrictions, retention shifts, sublimit compression, exposure changes, and claims trend.
- New pollution, contamination, or similar exclusions must be evaluated against pending, historical, or site-specific exposures; if an excess or umbrella form follows form, the effect should be analyzed as a combined restriction.
- For claims-made environmental or pollution coverage, a later retroactive date can create a temporal gap for pre-change events that are otherwise within the client’s loss profile.
- A claims-made-and-reported change increases reporting sensitivity and can create end-of-term gap risk if the client cannot report in time.
- Burning-limits structures reduce the amount left for indemnity as defense costs are incurred; the practical impact should be tested against expected spend through a future milestone.
- Products or completed-operations sublimits should be compared to the likely severity range of the known claim set and to the risk that other claims erode the available limit.
- Facility-specific deductible increases should be translated into concrete retained-loss dollars where the insured value is provided.
- Contractual insurance minimums should be checked against each renewal proposal to identify shortfalls, breach risk, or the need for endorsements or excess layers.
- Industry practice allows use of the source documents’ own terminology for exclusions, triggers, limits, retentions, and layers; where the documents use defined terms, preserve them in the memo.

## 4. Analytical scaffolds

1. Start by listing each proposal and each line of coverage with carrier, proposed term, proposed premium, expiring premium, and any stated quote expiration or binding deadline.
2. For every proposal, compare the expiring form and the renewal form on exclusions, sublimits, retentions, deductibles, triggers, retro dates, defense-cost treatment, and any other material restriction.
3. For each change, answer three questions: what changed, what client exposure does it affect, and what is the consequence if the client accepts the change as written.
4. For each new exclusion or narrowing endorsement, test whether it overlaps with historical incidents, pending claims, regulatory matters, contamination sites, or products exposures in the source set.
5. If the proposal includes excess or umbrella layers, test whether follow-form wording imports the same restriction across layers or leaves a residual layer of protection.
6. If the proposal is claims-made, compare the retro date and reporting conditions against the timeline of the client’s known events and claims to identify any uncovered period.
7. If defense costs erode limits, estimate the practical remaining indemnity at a relevant future point using the defense-spend trajectory described in the documents.
8. If a sublimit or deductible changes, express the change in operational terms and, where the source data permits, in dollar terms tied to the affected claim, facility, or program.
9. Compare each renewal proposal to any contractual insurance minimums, customer requirements, lender requirements, or other source-based thresholds.
10. Convert the premium discussion into an effective-rate analysis that reflects broader economic impact rather than only the invoice change.
11. Assign a severity level to each issue using a consistent ordinal scale.
12. End each issue with a negotiation recommendation that states the preferred position, the fallback position if needed, and the reason tied to client exposure or leverage.

## 5. Vertical / structural / temporal relationships (only if applicable)

- Analyze primary, excess, and umbrella forms together when a new exclusion or narrowing endorsement appears in more than one layer.
- Treat retro-date shifts and reporting changes as time-based coverage problems, not drafting differences.
- Treat facility-specific deductible changes as location-specific retained-loss shifts, especially where insured values differ by site.
- Treat claims history and renewal changes as mutually informing documents: the history explains why a form change matters, and the form change changes how the history should be priced or negotiated.
- Where multiple claims or multiple sites are listed, compare them against the same coverage change rather than analyzing only the most obvious example.

## 6. Output structure conventions

- Produce a negotiation-ready memorandum organized by issue, not a narrative summary alone.
- Define a severity scale once near the top and apply it uniformly to every issue.
- For each issue, include:
  - severity,
  - renewal position versus expiring position,
  - concise description of the change,
  - linked client exposure or claims-history item,
  - practical economic or coverage impact,
  - negotiation recommendation.
- Include an opening snapshot that identifies the program, the quote validity timing, and the most material pricing and coverage shifts.
- Include an effective-rate discussion that explains the methodology used to move from nominal premium change to practical cost impact.
- Include a comparison section or matrix that translates each issue into current position, target position, and fallback position.
- Close with a Recommended Actions section that uses imperative verbs, names the responsible internal role or business owner when available, and ties each action to a deadline, renewal milestone, or prompt-decision need.
- Keep the tone negotiation-ready and decision-oriented; avoid merely describing policy language without tying it to client consequence.