Requirements
rizsotto/Bear
Write, modify, or review a requirement file under docs/requirements -- pick the single owning file, keep the text contract-only, name IDs so they need no explanation, and verify cross-references and…
Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing…
Install Policy Renewal Review
$ npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills policy-renewal-review --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/policy-renewal-review .claude/skills/policy-renewal-review && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "policy-renewal-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-review into .claude/skills/policy-renewal-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "policy-renewal-review", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-reviewType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills policy-renewal-review --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/policy-renewal-review .agents/skills/policy-renewal-review && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "policy-renewal-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-review into .agents/skills/policy-renewal-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "policy-renewal-review", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills policy-renewal-review --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/policy-renewal-review .cursor/skills/policy-renewal-review && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "policy-renewal-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-review into .cursor/skills/policy-renewal-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "policy-renewal-review", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/policy-renewal-review--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills policy-renewal-review --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/policy-renewal-review .gemini/skills/policy-renewal-review && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "policy-renewal-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-review into .gemini/skills/policy-renewal-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "policy-renewal-review", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills policy-renewal-reviewInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/policy-renewal-review .github/skills/policy-renewal-review && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "policy-renewal-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-review into .github/skills/policy-renewal-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "policy-renewal-review", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills policy-renewal-review --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/policy-renewal-review .opencode/skills/policy-renewal-review && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "policy-renewal-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/policy-renewal-review into .opencode/skills/policy-renewal-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "policy-renewal-review", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
policy-renewal-review- GitHub stars
- 1.4k
- Token cost
- ~1.4k tokens
- SKILL.md length
- 692 words
- Files
- 1
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing…
- Asked to prepare for a policy renewal
- SKILL.md covers What This Skill Produces, Required Inputs, Review Framework and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
- Review cover before renewal
What it does
Policy Renewal Review is an agent skill from mohitagw15856/pm-claude-skills. Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing expectations, frame market alternatives, and arm the broker negotiation. Use when asked to prepare for a policy renewal, review cover before renewal, check if limits are still adequate, or build renewal negotiation points. Produces a structured renewal review with gap findings, limit assessment, pricing outlook, and…
Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
It sits in Testing & QA, covering Test coverage. The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked to prepare for a policy renewal
- Review cover before renewal
- Check if limits are still adequate
- Build renewal negotiation points
Example prompts
- “/policy-renewal-review”
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Policy Renewal Review loads about 1.4k tokens when it runs. Until then it costs about 139 tokens; SKILL.md has 692 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 692 words, ~1,431 tokens.
Download SKILL.mdSave it as
.claude/skills/policy-renewal-review/SKILL.md (or your agent's skills folder).- name
- policy-renewal-review
- description
- Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing expectations, frame market alternatives, and arm the broker negotiation. Use when asked to prepare for a policy renewal, review cover before renewal, check if limits are still adequate, or build renewal negotiation points. Produces a structured renewal review with gap findings, limit assessment, pricing outlook, and negotiation points.
Policy Renewal Review Skill
Renewals fail quietly: the business changed, the policy didn't, and the gap surfaces at claim time. This skill runs the pre-renewal discipline — does the cover still match the operations, are the limits still real money, what will the claims record do to price, and what should the broker push for.
What This Skill Produces
- A coverage-gap scan: current operations vs current wording
- A limit-adequacy assessment against inflation and exposure growth
- A claims-experience read with its likely pricing impact
- Market-alternatives framing (remarket, restructure, retain more, hold)
- A prioritised list of broker negotiation points
Required Inputs
Ask for missing items; where the user has only partial data, proceed with labelled assumptions [assumed — verify at renewal]:
- Current policy summary — lines, limits, deductibles, key exclusions, premium
- What changed in the business — revenue, headcount, locations, products, M&A, new contracts, digital/cyber footprint
- Claims experience — losses this period and prior years, open reserves
- Renewal timeline and incumbent signals (rate guidance, appetite noises), if known
Review Framework
1. Coverage-gap scan. Walk the change list against the wording: new locations declared? new products within the liability trigger? revenue/BI values updated? contractual insurance requirements from new customers met? acquisitions endorsed on? For each change: covered as-is / needs endorsement / needs new line. A change nobody declared is the classic gap — ask explicitly "what's new that the insurer doesn't know about?"
2. Limit adequacy. Test limits against today's numbers, not purchase-date numbers: property sums insured vs current rebuild costs (flag if not indexed for 2+ years — construction inflation compounds); business-interruption sum vs current gross profit and a realistic indemnity period (12 months is rarely enough for full rebuild + market recovery — test 18–24); liability limits vs largest contract requirement and plausible worst case. Flag underinsurance-average/coinsurance exposure where declared values lag.
3. Claims-experience read. Compute the period and multi-year loss ratio if figures allow. Framing bands: a sustained loss ratio well below ~40% is negotiating leverage; ~40–60% is neutral; above ~60–70% expect rate pressure, deductible push, or restrictions — prepare the "what we fixed" story for every significant loss (root cause + remediation), because a loss with a fix narrative prices better than an unexplained one.
4. Market alternatives. Frame honestly: remarket (leverage, but costs incumbent goodwill and only credible if you'd move), restructure (higher deductibles/captive-like retention to trade premium for volatility), reduce cover consciously, or hold. Note market-cycle context if known [to confirm with broker].
5. Negotiation points. Rank by value at stake: the gaps to close, the limits to raise, the restrictive clauses to remove, the rate ask — each with the supporting fact.
Show full SKILL.md (269 more words)Show less
Output Format
Renewal review: [insured / programme / renewal date]
1. Business changes since last renewal — bullet list, each tagged covered / endorsement needed / new cover needed. 2. Limit adequacy — table: cover | current limit | adequacy test | verdict (adequate / raise / review). 3. Claims experience & pricing outlook — loss ratio, large-loss fix narratives, expected market response. 4. Options — hold / negotiate / restructure / remarket, with trade-offs. 5. Broker negotiation points — ranked, each with its supporting fact and target outcome. 6. Timeline — actions and dates working back from renewal.
End with: "This review is analytical support, not a coverage or placement determination. Final decisions follow your organisation's policy and the advice of your licensed broker/adviser and applicable regulation."
Quality Checks
- Every declared business change has a covered/endorse/new-cover tag
- Limit tests use current values (rebuild cost, current gross profit), not stale declared values
- BI indemnity period is explicitly tested, not assumed at 12 months
- Every significant loss has a fix narrative attached for the negotiation
- Negotiation points are ranked by value at stake, each with a supporting fact
- Assumptions are labelled
[assumed — verify at renewal]
Anti-Patterns
- Do not roll limits forward unexamined — indexation drift is the most common renewal failure
- Do not treat remarketing as a free negotiating card — recommend it only if the insured would credibly move
- Do not present the claims record without remediation narratives — unexplained losses price worst
- Do not recommend deductible increases without stating the retained-volatility trade-off in money terms
- Do not invent market rate movements — label market context
[to confirm with broker]
Example Trigger Phrases
- "Prepare for a policy renewal."
- "Review cover before renewal."
- "Check if limits are still adequate."
- "Build renewal negotiation points."
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
Just SKILL.md in skills/policy-renewal-review of mohitagw15856/pm-claude-skills.
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Policy Renewal Review next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Policy Renewal Review this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.4k | Automated safety check: Pass | MIT | |
| Requirementsrizsotto/Bear | 6.5k | — | ~2k | Automated safety check: Pass | GPL-3.0 | |
| Crap Analysisardalis/RiverBooks | 135 | 2 repos | ~3.4k | Automated safety check: Pass | None | |
| Bmad Testarch Automatechenjackle45/SayIt | 115 | 2 repos | ~867 | Automated safety check: Pass | MIT | |
| Code Coverages3s-project/s3s | 311 | — | ~789 | Automated safety check: Pass | Apache-2.0 | |
| Project Statusbactopia/bactopia | 522 | — | ~787 | Automated safety check: Pass | MIT |
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Related
Categories
Questions about Policy Renewal Review
What does Policy Renewal Review do?
Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing…. Policy Renewal Review is an agent skill from mohitagw15856/pm-claude-skills. Run a pre-renewal review of an insurance programme: scan coverage gaps against current operations, test limit adequacy against inflation and exposure growth, read the claims experience into pricing expectations, frame market alternatives, and arm the broker negotiation.
When should I use Policy Renewal Review?
Policy Renewal Review fits situations like: asked to prepare for a policy renewal; review cover before renewal; check if limits are still adequate; build renewal negotiation points.
How do I install Policy Renewal Review in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a claude-code`. Or copy the skill folder (skills/policy-renewal-review in mohitagw15856/pm-claude-skills) into .claude/skills/policy-renewal-review in your project. Claude Code loads it when a task matches its description.
How do I install Policy Renewal Review in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a codex`. Or copy the skill folder (skills/policy-renewal-review in mohitagw15856/pm-claude-skills) into .agents/skills/policy-renewal-review in your project. Codex loads it when a task matches its description.
Can I use Policy Renewal Review in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill policy-renewal-review -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/policy-renewal-review, .gemini/skills/policy-renewal-review, .github/skills/policy-renewal-review and .opencode/skills/policy-renewal-review in your project.
What does Policy Renewal Review need to run?
SKILL.md names no scripts, command-line tools or credentials: Policy Renewal Review is instructions for the agent only.
Does Policy Renewal Review access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Policy Renewal Review safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Policy Renewal Review use?
Policy Renewal Review is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Policy Renewal Review use?
About 1.4k tokens (SKILL.md is roughly 5.7k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Policy Renewal Review?
Skills that share tags, products or a category with Policy Renewal Review: Requirements (rizsotto/Bear, 6.5k stars), Crap Analysis (ardalis/RiverBooks, 135 stars), Bmad Testarch Automate (chenjackle45/SayIt, 115 stars) and Code Coverage (s3s-project/s3s, 311 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Policy Renewal Review?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.