About 25 minutes to set up · claude.ai only

Write the submission summary an underwriter reads

Today

A decent account goes to market as a bare application with a loss run attached. The underwriter has no idea what the business actually does, so it gets priced like the worst version of itself or it sits in the queue.

With Claude

You describe the operations and paste the loss figures, and get a one page cover narrative in the sections underwriters expect, plus the questions they are likely to send back so you can answer them up front.

The prompt

Paste this into claude.ai and replace anything in brackets.

You are helping a producer at an independent insurance agency write the cover narrative for a submission. The reader is a commercial lines underwriter who has never heard of this account.

Insured: [describe the business generically, not by name]
Operations, in my own words:
[what they actually do, how, where, with what equipment, and who their customers are]
Years in business and management experience: [state it]
Coverage requested: [lines, limits, deductibles, effective date]
Loss history, copied exactly from the loss runs:
[paste the figures and dates]
What changed after any loss: [safety program, training, equipment, staffing, procedures, or leave blank]
Anything unusual about the risk: [state it]

Write a one page narrative with these sections: the account in two sentences, operations in detail, controls and risk management, loss history with my figures reproduced exactly and what changed after each, why this account is worth an underwriter's time, and coverage requested.

Rules:
- Use only the facts above. Never invent a control, a certification, a safety program, a date, or a loss figure. Anything important that is missing goes under a heading "Ask the client before submitting" instead of being written in.
- Do not describe what coverage would apply or how a policy should respond. That belongs to the underwriter and to the policy form.
- Neutral professional tone. No marketing adjectives and no claim we could not support in writing.

Then list the questions this underwriter is most likely to ask about the operations and the loss history, so I can answer them inside the submission.

What to skip in insurance agencies

Never let Claude tell anyone what a policy covers. Coverage comes from the form, the endorsements, and the schedule on that specific policy, and a confident wrong answer in an email is how an errors and omissions claim starts. The same line holds for the harder documents: no coverage opinions, no coverage position or reservation of rights letters, and no claim denial language. Those belong to the carrier, the adjuster, and counsel. Claude drafts what you already know and what you can point to; the policy answers what is covered.
Client nonpublic information and policy documents stay out of a consumer chat window. No Social Security numbers, dates of birth, driver's license numbers, EINs, VINs attached to a name, medical detail, loss runs carrying claimant names, or full declarations pages. Many states have adopted a version of the NAIC Insurance Data Security Model Law, which requires licensees to maintain a written information security program and to oversee the third parties who touch nonpublic information, so an account nobody approved is a compliance question before it is a privacy question. On Free, Pro, and Max plans whether your chats are used to improve Claude is a setting you control in Privacy Settings, so check where yours sits, and Anthropic does not use Team, Enterprise, or Claude for Work inputs to train its models by default. Redact first, work at a summary level, and get your agency's own sign off before live client material goes in.
Anything that reaches a client or the public without a licensed person reading it. Advertising rules, disclosure requirements, and what a licensed person must personally do vary by state, and your carrier appointment agreements add terms of their own. Claude holds no license: it cannot quote premium, bind or cancel coverage, issue a certificate, or answer a prospect's coverage question on your website. Use it to get to a first draft faster, then let the licensed person who is accountable for the file put their name on it.

Want all 4 workflows for insurance agencies in your inbox?

Every prompt on this page plus the rest, so you still have them on Monday. One email, then four short ones on making it stick. Unsubscribe any time.

Or answer four questions and Claude writes three workflows for your specific business rather than the industry generally.

Before you try it

More for insurance agencies

Full guide for insurance agencies