Coverage Issue Spotter

Coverage Issue Spotter

Purpose

Issue-spot the insurance coverage questions raised by a policy and a claim — from the policy, claim facts, tender, pleadings, demand letters, denial letters, and correspondence — into a source-cited coverage issue matrix for attorney review. This skill identifies the questions a coverage attorney must work through; it answers none of them and determines no coverage outcome.

Use When

• A coverage question must be triaged before substantive attorney analysis.
• A claim, tender, or denial needs the coverage issues mapped against the policy.
• Counsel needs a source-cited issue matrix with explicit missing facts and document requests.

Required Inputs

• The policy, the policy documents, or a completed insurance-policy-summary, with source references.
• The claim facts as provided, and any tender, pleadings, demand letters, denial letters, reservation of rights, or correspondence.
• The policy type (CGL, property, professional, D&O, auto, umbrella/excess, or other) — or not provided.
• The policy period and any claim dates, echoed and marked [deadline verification required].
• The user's role (insurer, insured, additional insured, claimant, broker, or other) — or not provided.
• The claim type and claim stage (notice, investigation, defense, suit, appraisal, denial, coverage dispute) — or not provided.
• Jurisdiction and governing law, or [verify jurisdiction].

If the policy, the claim facts, the policy type, or the role is missing, record it as not provided and return the missing-information list first.

Do Not Use When

• The request is to decide whether the claim is covered, or whether the insurer must defend or indemnify.
• The request is to conclude on an exclusion, endorsement, additional insured status, allocation, other-insurance priority, late notice, waiver, estoppel, or prejudice.
• The request is for a coverage opinion, a denial, or legal advice.
• The task is to draft a coverage position (use coverage-position-outline).