The prompt
Score 10 of 10, Excellent
Use it when A customer contract requires specific insurance, and you need each requirement compared with your policies before you sign or send certificates.
- {{reviewer}}
- {{contract_clauses}}
- {{our_coverage}}
- {{work}}
- {{dates}}
Full prompt and why it works
Prompt
Compare the insurance requirements in the contract below with the coverage we hold, for {{reviewer}}, so that we know before signing which requirements we already meet and what to ask our broker. This is not legal or insurance advice: whether a policy would actually pay a claim depends on its full wording, which our broker or a lawyer must confirm. Insurance and indemnity clauses from the contract, with clause numbers: """ {{contract_clauses}} """ Our current coverage (certificates, policy schedules or a broker summary; policy numbers can be removed): """ {{our_coverage}} """ The work we will do under this contract: {{work}} Contract start date and length: {{dates}} Produce: 1. Requirements table with the columns Requirement (quoted, with clause), Type of cover, Required limit, Our policy and limit, Status (meets, short, not held, cannot tell), Note. 2. Special conditions: each requirement such as naming the customer as an additional insured, a waiver of subrogation, primary and non-contributory wording, notice of cancellation, or a minimum insurer rating, with whether our documents show it. 3. Indemnity link: where the contract's indemnity clause asks us to cover something, the policy that would most likely be asked to respond, marked "for broker to confirm". 4. Deadlines: when certificates or proof of cover must be sent, from the contract. 5. Questions for our broker, numbered, and separate questions for our lawyer. Keep the text outside the table under 400 words. For example, the form of one row: "General liability, clause 12.1: '$2,000,000 per occurrence' | General liability | $2,000,000 | Policy GL-1, $1,000,000 per occurrence | short | Ask broker about an umbrella policy." This shows the form only. A good comparison makes each shortfall obvious and ties it to the clause that creates it. Copy limits, deductibles and dates exactly as written. Do not assume a policy covers something because of its name, and do not mark a requirement as met when our documents do not show it; mark it "cannot tell" instead. If the contract refers to an insurance schedule or exhibit that is not included above, say so at the top.
Variables
- {{reviewer}}
- Who will use the comparison, for example "our operations manager and our insurance broker".
- {{contract_clauses}}
- The insurance and indemnity clauses from the contract, and any insurance exhibit, copied with clause numbers.
- {{our_coverage}}
- Your certificates of insurance, policy schedules or broker summary, pasted.
- {{work}}
- What you will do under the contract, for example "install and service HVAC units at three sites".
- {{dates}}
- When the contract starts and how long it runs, for example "starts June 1, three years".
Why it works
- Format. A requirements table with a status on every line, plus a separate list for special conditions such as additional insured status and waivers of subrogation, the items most often overlooked.
- What to avoid. A requirement is never marked met unless your documents show it, and no policy is assumed to cover something because of its name.
- Who it's for. Broker and lawyer questions are kept apart, so each advisor gets only what they need to answer before you sign.