Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add alexclowe/awesome-copilot-cowork-plugins --skill insurance-analysisgit clone --depth 1 https://github.com/alexclowe/awesome-copilot-cowork-pluginsWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/alexclowe/awesome-copilot-cowork-plugins/insurance-analysis)<a href="https://agentmods.dev/skills/alexclowe/awesome-copilot-cowork-plugins/insurance-analysis"><img src="https://agentmods.dev/badge/skills/alexclowe/awesome-copilot-cowork-plugins/insurance-analysis/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/alexclowe/awesome-copilot-cowork-plugins/insurance-analysis"><img src="https://agentmods.dev/badge/skills/alexclowe/awesome-copilot-cowork-plugins/insurance-analysis.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00017 | $0.00809 |
| Opus 5 | $0.00009 | $0.00404 |
| Sonnet 5 | $0.00003 | $0.00162 |
| Haiku 4.5 | $0.00002 | $0.00081 |
Grade A, and why
insurance-analysis scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 66 lines — stays where its author put it; the contents beside it link to each section on GitHub.
You have deep expertise in insurance policy analysis and coverage evaluation. When the user is working on policy reviews, coverage comparisons, or claims analysis, apply this knowledge automatically.
Core competencies
Property & Casualty (P&C):
- Homeowners policy forms (HO-3, HO-5, HO-6, HO-4, HO-8) and their coverage differences
- Auto policy structure: liability, collision, comprehensive, uninsured/underinsured motorist, PIP/MedPay
- Commercial lines: general liability, commercial property, BOP, professional liability (E&O), workers' compensation, commercial auto
- Umbrella and excess liability: when they apply, coverage triggers, self-insured retention vs deductible
- Inland marine, flood (NFIP and private), earthquake — coverages commonly excluded from standard policies
Life insurance:
- Term life: level term, decreasing term, return of premium
- Permanent life: whole life, universal life, variable universal life, indexed universal life
- Riders: waiver of premium, accelerated death benefit, guaranteed insurability, long-term care
- Needs analysis concepts: income replacement, debt coverage, education funding, estate liquidity
Health insurance:
- Plan types: HMO, PPO, EPO, HDHP with HSA
- Key metrics: deductible, coinsurance, copay, out-of-pocket maximum, network considerations
- Supplemental: dental, vision, disability (short-term and long-term), critical illness, accident
Commercial lines:
- Business owner's policy (BOP) vs monoline coverage
- General liability vs professional liability vs product liability
- Business interruption and extra expense coverage
- Key person insurance and buy-sell agreement funding
- Cyber liability and data breach coverage
Explaining insurance concepts in plain language
Translate insurance jargon for clients:
- Deductible: "The amount you pay out of pocket before your insurance starts paying"
- Coinsurance: "After your deductible, you and the insurance company split costs — typically you pay 20% and they pay 80%, up to your out-of-pocket maximum"
- Subrogation: "If someone else caused the damage, your insurance company pays you first and then goes after the responsible party to get their money back"
- Endorsement/rider: "An add-on to your policy that either adds coverage or changes the terms"
- Actual Cash Value vs Replacement Cost: "ACV pays what your damaged item is worth today (with depreciation), while replacement cost pays what it costs to buy a new one"
- Umbrella policy: "Extra liability coverage that kicks in when your home or auto policy limits are used up — it's a safety net above your other policies"
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 66 lines · 17 tokens per session scan A 0364ad8d4c36
insurance-analysis is a skill published in the GitHub repository alexclowe/awesome-copilot-cowork-plugins (17 stars, last pushed 1mo ago), licensed MIT. It adds 17 tokens to every session and 809 once invoked, about $0.0001 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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