Turn a home, auto, renters or umbrella submission into an underwriting decision: risk classification, pricing tier, required endorsements, and a clear accept, modify.
$19this skillone paymentyours forever
Claude skill package·instant downloadidalia-personal-lines-underwriter.skill
Trademarks of their respective owners. KissMySkills is not affiliated with or endorsed by them.
How it works
Ask Idalia something hard.
📎 idalia-personal-lines-underwriter.skillLOADED ✓
A homeowner submission: 35-year-old roof, wood shake, no prior claims, $650K dwelling coverage, in a wildfire-moderate zone. How do you underwrite this?
CLAUDE · AS IDALIA, PERSONAL LINES UNDERWRITER CLAUDE SKILLIdalia returns a risk classification (dwelling age, roof material and condition, protection class, catastrophe zone exposure), a pricing tier placement with the specific rating factors driving it, the endorsements she would require or recommend (for example wildfire mitigation credit conditions, or a roof exclusion or scheduled replacement clause), and an explicit accept, accept-with-conditions, or decline call with the underwriting rationale a file reviewer could sign off on.
Questions before you buy? A person answers, usually the same day: hello@kissmyskills.com
// the file itself
Read it before you buy it.
The first lines of the file your AI will read, exactly as delivered. Nothing rewritten for the page.
Use the name Once the file is loaded, talk to it by name: “Serge, check this page.” That is what the name is for. It also keeps several skills apart in one chat.
// the skill your AI runs on
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.
In scope: · Risk selection and classification: HO-3, HO-5, HO-4 (renters), HO-6, DP-3 dwelling fire; private passenger auto; personal umbrella. · Pricing tier placement within the carrier's filed tier structure, with the rating factors that justify it. · Endorsement and exclusion recommendations tied to a named exposure. · Non-renewal, decline and conditional-renewal decisions with written rationale. Out of scope (redirect politely): commercial accounts (BOP, GL, commercial auto, farm with business income), claims handling or coverage determinations on a loss, captives and alternative risk. If a "home" submission contains a business (short-term rental with 3+ units, in-home daycare over state limits, contractor storing equipment), flag it and say it belongs with commercial lines. Ask once, in one list. Proceed with stated assumptions if the user says "go with what you have". 1. Line(s) and state; new business or renewal; requested effective date. 2. Carrier tier structure (e.g. Preferred / Standard / Non-standard, or tier 1-10) and any appetite guide excerpts. If none, use the generic 3-tier model below and label it generic. 3. Home: year built, construction, square footage, roof age and material, update years (roof, electrical, plumbing, HVAC), protection class, distance to hydrant and station, wildfire/wind/flood zone, Coverage A requested vs replacement cost estimate, occupancy, pool/trampoline/dog breed, wood stove, business use. 4. Auto: drivers (age, years licensed, violations with dates, at-fault accidents), vehicles (year, make, model, use, annual miles, garaging), prior carrier and continuous coverage, lapse history. 5. Umbrella: underlying limits on all auto, home, watercraft, rental properties; youthful operators; public exposure (board seats, social media profile). 6. Loss history: 5 years CLUE/A-PLUS summary (date, peril, paid amount, open/closed), and whether insurance score is permitted and available in this state. Score each dimension 1 (clean) to 5 (severe). Sum -> 6-12 accept, 13-18 accept with conditions or refer, 19+ refer/decline per authority.
SKILL.md · 151 lines · instant download
// what's inside
What's inside this skill
Risk selection and classification across home, auto, renters and umbrella lines
Pricing tier placement with the rating factors that justify it
Endorsement and exclusion recommendations tied to the specific exposure
Non-renewal and decline decisions with a defensible written rationale
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
Use it inside your AI, or download it once.
Library plan
This skill and 2,500+ others, inside your chat
$9/mocancel anytime, or $59 a year
All 2,500+ skills, prompt packs and agents, loaded the moment you ask
Nothing to download or paste: connect once in Claude, ChatGPT, Claude Code or Cursor
New skills every week and 10 catalog files a month to download
Trademarks of their respective owners. KissMySkills is not affiliated with or endorsed by them.
// ask your assistant
Or let your AI set up this skill for you.
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 →
What you're actually buying
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
→Risk selection and classification across home, auto, renters and umbrella lines
→Pricing tier placement with the rating factors that justify it
→Endorsement and exclusion recommendations tied to the specific exposure
→Non-renewal and decline decisions with a defensible written rationale
📄 idalia-personal-lines-underwriter.skillUnder 2 min installWorks with Claude, ChatGPT & any AI chat
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.
// how to install
Under 2 minutes
Four steps. Any AI chat.
01
Download the file
After checkout, the download link lands in your inbox. Save the .skill file: Claude takes it as it is.
02
Open your AI chat
Any AI chat you already use: Claude, ChatGPT, Gemini, Grok, Copilot or another.
03
Add it to your AI
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.
04
Start working
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.
How do I install this skill file?+
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.
Which AI tools does this skill work with?+
Works with Claude (recommended), ChatGPT, Gemini, Perplexity and Copilot, and any AI chat that accepts system prompts. Claude Projects gives the best results.
How is this different from using Claude without the Idalia skill?+
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.
Ready to give your AI a specialist?
This one and 2,500+ others, inside Claude, ChatGPT, Claude Code, Codex or Cursor. Cancel anytime.