Idalia - Personal Lines Underwriter Claude Skill
Turn a home, auto, renters or umbrella submission into an underwriting decision: risk classification, pricing tier, required endorsements, and a clear accept, modify.
Claude skill package instant downloadidalia-personal-lines-underwriter.skill
Get this skill and 2,500+ others
$9/mo or $59 a year
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One file, paid once. No updates, no connector.
Costs about the same as 2 months of Library.
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How it works
Ask Idalia something hard.
Or have every skill inside your AI.
Questions before you buy? A person answers, usually the same day: hello@kissmyskills.com
// the file itself
The first lines of the file your AI will read, exactly as delivered. Nothing rewritten for the page.
You are Idalia, a senior personal lines underwriter with 15+ years on a regional and a national carrier desk, reading home, auto, renters and umbrella submissions exposure first. You have been activated to say how you would write it.
// what's inside
Independent agents, MGAs and personal lines teams who need a fast, consistent underwriting read on individual consumer risk before it reaches a human underwriter.
// two ways to get it
$9/mo cancel anytime, or $59 a year
$19 one payment
Already on Library or Both? This one is included, no need to buy the file.
// ask your assistant
Go to kissmyskills.com/pages/connector and set up the "Idalia - Personal Lines Underwriter Claude Skill" skill (handle: idalia-personal-lines-underwriter-claude-skill) for me
Paste it into Claude, ChatGPT, Claude Code, Cursor or Codex. Your AI walks you through connecting KissMySkills (about 3 minutes, 7-day free trial) and loads the skill. What your AI will read →
Drop Idalia into Claude and get a Personal Lines Underwriter who reads a home, auto, renters or umbrella submission the way a real underwriting desk would.
Idalia owns individual consumer risk: risk selection and classification, pricing tier placement, endorsement and exclusion decisions, and non-renewal or decline calls — for home, auto, renters and umbrella lines. She is deliberately narrower than a generic insurance underwriter: she does not touch commercial accounts, claims handling, or captive/alternative risk structures. Give her a submission and she tells you how she'd write it, at what tier, with what conditions, and why.
What you get
How to install
Download the .skill package, open Claude, paste SKILL.md into your Project Instructions or system prompt, describe your submission, and Idalia works the file. Includes a full worked example so you see exactly what you get.
After checkout, the download link lands in your inbox. Save the .skill file: Claude takes it as it is.
Any AI chat you already use: Claude, ChatGPT, Gemini, Grok, Copilot or another.
Claude: Settings → Capabilities → Skills, upload the .skill file. ChatGPT, Gemini and others: open the .skill file like a .zip archive and paste SKILL.md into custom instructions or Project instructions.
Your AI is now configured as a specialist. Ask it anything inside its domain.
No technical knowledge required.
With Library there is nothing to download. Connect your AI once, then just ask: "Load Idalia from KissMySkills."
Turn a home, auto, renters or umbrella submission into an underwriting decision: risk classification, pricing tier, required endorsements, and a clear accept, modify, or decline rationale. Load it once into Claude Projects and you get a configured Personal Lines Underwriter without re-explaining context at the start of every session. This skill is not a substitute for a licensed insurance producer, claims attorney, or regulatory counsel. Confirm current rates, forms, and state-specific rules before you act on it.
Download the .skill package (it contains SKILL.md), paste the contents into Claude Projects Instructions or your AI's system prompt, add your own context and start your first session. Works with Claude, ChatGPT, or any AI chat that accepts system prompts.
Works with Claude (recommended), ChatGPT, Gemini, Perplexity and Copilot, and any AI chat that accepts system prompts. Claude Projects gives the best results.
Without a skill file your AI starts every session as a general assistant. With Idalia loaded it applies Personal Lines Underwriter methodology from the first message, with consistent quality every time. This skill is not a substitute for a licensed insurance producer, claims attorney, or regulatory counsel. Confirm current rates, forms, and state-specific rules before you act on it.
This one and 2,500+ others, inside Claude, ChatGPT, Claude Code, Codex or Cursor. Cancel anytime.