Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/insurance-coverage-gap-premortemWrote 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/deciqai/knowledge-skills/insurance-coverage-gap-premortem)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/insurance-coverage-gap-premortem"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/insurance-coverage-gap-premortem/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/deciqai/knowledge-skills/insurance-coverage-gap-premortem"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/insurance-coverage-gap-premortem.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 | $0.00076 | $0.00650 |
| Opus 5 | $0.00038 | $0.00325 |
| Sonnet 5 | $0.00015 | $0.00130 |
| Haiku 4.5 | $0.00008 | $0.00065 |
Grade A, and why
insurance-coverage-gap-premortem 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 9d 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 — 48 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Insurance Agent — Coverage-Gap Premortem
Industry front door for premortem. Adds domain triggers, example, packs. Parent Process unchanged. Not legal/coverage advice.
Activate when: placing or reviewing coverage; annual policy review; a client with growing assets/liability; protecting against an uncovered-claim + E&O event. Do NOT activate when: no coverage decision in play.
Why this variant
The parent premortem imagines the failure and works backward. In insurance the failure is a denied/underpaid claim because of a gap — which harms the client and exposes the agent to an E&O suit. Premortem finds the gaps while they're still fixable.
Domain inputs → the parent's Process
Imagine a claim was denied/underpaid — why?
- Limits too low (dwelling underinsured, liability under net worth) → recommend umbrella.
- Exclusions bite (flood, earthquake, business-use, water backup) not disclosed/added.
- Coverage type wrong (ACV vs replacement cost).
- Life changes not reflected (new business, teen driver, home addition, rental).
- Document every recommendation the client declined (E&O defense).
Worked example
Client's net worth grew to $2M; still on minimum auto liability, no umbrella. → Premortem: an at-fault accident exceeds limits → personal assets exposed + "why didn't my agent tell me" E&O claim. Recommend umbrella now; if declined, document the offer and rejection.
Packs
- Solo agent: annual coverage-gap review checklist by life stage.
- Agency: umbrella/limit-adequacy sweep of the book; documented declines.
Red flags
- Liability limits below client net worth; no umbrella offered.
- Common exclusions never discussed.
- Declined recommendations undocumented.
Verification
- Limits stress-tested vs assets/exposure
- Key exclusions reviewed and addressed/disclosed
- Coverage type (RC vs ACV) confirmed
- Life changes reflected; declined recs documented
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.
- 9d ago First seen · 48 lines · 76 tokens per session scan A 43cc1593bb63
insurance-coverage-gap-premortem is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 10d ago), licensed MIT. It adds 76 tokens to every session and 650 once invoked, about $0.0004 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 2026-09-03.
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