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/jokull/icelandic-datanpx agentmods add skills/jokull/icelandic-data/insuranceWrote 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/jokull/icelandic-data/insurance)<a href="https://agentmods.dev/skills/jokull/icelandic-data/insurance"><img src="https://agentmods.dev/badge/skills/jokull/icelandic-data/insurance.svg" alt="Measured on agentmods" 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 | $0.00030 | $0.00913 |
| Opus 5 | $0.00015 | $0.00456 |
| Sonnet 5 | $0.00006 | $0.00183 |
| Haiku 4.5 | $0.00003 | $0.00091 |
Grade A, and why
insurance 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 7d 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 — 76 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Insurance — Icelandic Insurance Market
Companies
| Company | Kennitala | Parent | Listed | Notes |
|---|---|---|---|---|
| VÍS tryggingar hf. | 6701120470 |
Skagi hf. (6906892009) |
SKAGI | Insurance ops transferred Jan 2025 |
| Sjóvá-Almennar tryggingar hf. | 6509091270 |
Independent | SJOVA | Largest by premiums |
| TM tryggingar hf. | 6602693399 |
Kvika → Landsbankinn | — | Sale pending competition approval |
| Vörður tryggingar hf. | 4410993399 |
Arion banki | — | Bank subsidiary |
Use Skagi (6906892009) for VÍS consolidated data — the 6701120470 entity is a newly created operating company with limited standalone history.
Key Metrics
- Combined ratio = loss ratio + expense ratio + reinsurance ratio
- Loss ratio (tjónahlutfall) = claims / premiums
- Expense ratio (kostnaðarhlutfall) = operating expenses / premiums
- Samsett hlutfall = Icelandic term for combined ratio
Data Sources
Annual reports (skatturinn.is)
uv run python scripts/skatturinn.py download 6906892009 --year 2024 # Skagi/VÍS
uv run python scripts/skatturinn.py download 6509091270 --year 2024 # Sjóvá
uv run python scripts/skatturinn.py download 6602693399 --year 2024 # TM
uv run python scripts/skatturinn.py download 4410993399 --year 2024 # Vörður
Extraction
uv run python scripts/financials.py extract data/raw/skatturinn/6906892009_2024.pdf --format markdown
Insurance PDFs use IFRS 17 format. Key tables:
- "Helstu niðurstöður og lykiltölur" — has CR, loss ratio, expense ratio, ROE
- "Samsett hlutfall" table in notes — has 5-year history
FME (Fjármálaeftirlitið)
- Regulatory filings, solvency ratios
- No public API — data from annual reports
Nordic peers for comparison
- Gjensidige (Norway) — gjensidige.no investor relations
- Tryg (Denmark) — tryg.com investor relations
- Sampo/If (Finland) — sampo.com investor relations
Processed Data
data/processed/insurance_company_financials.csv— company-level metricsdata/processed/insurance_combined_ratios.csv— CR by company and countrydata/processed/insurance_nordic_comparison.csv— Iceland vs Nordic averages
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.
- 7d ago First seen · 76 lines · 30 tokens per session scan A 112e87f74466
insurance is a skill published in the GitHub repository jokull/icelandic-data (52 stars, last pushed today), licensed MIT. It adds 30 tokens to every session and 913 once invoked, about $0.0002 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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