An insurance portfolio analyzer that identifies coverage gaps and overlaps to ensure comprehensive financial protection.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install coverage-check
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install coverage-check using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Coverage Check?
Coverage Check is a sophisticated analytical tool designed for Openclaw Skills that empowers AI agents to perform deep audits of insurance portfolios. It systematically evaluates health, life, property, and liability policies to identify where a user might be under-insured or paying for redundant coverage. By integrating this Openclaw Skills functionality, agents can provide data-driven insights that align a user's protection levels with their actual life stage, assets, and liabilities, ensuring a robust financial safety net.
Coverage Check Use Cases
- Reviewing an entire insurance portfolio to determine if current protection is adequate.
- Adjusting insurance needs following significant life changes such as marriage, parenthood, or buying property.
- Identifying missing insurance types that leave the user exposed to catastrophic financial risk.
- Evaluating whether existing policy limits meet industry-standard benchmarks for specific demographics.
How Coverage Check Works
- The agent inventories existing policies by collecting data on types, coverage amounts, and insurers.
- Relevant personal data including age, income, dependents, and liabilities is gathered to build a risk profile.
- The current portfolio is compared against recommended coverage benchmarks tailored to the user's specific situation.
- The tool identifies gaps where risks are uninsured and flags overlaps where coverage is redundant.
- Recommendations are prioritized based on the potential financial impact of the identified risks.
- The skill suggests specific coverage types and amounts to effectively fill the identified gaps.
Coverage Check Setup
To add this capability to your agent, use the following command within your environment:
openclaw install coverage-check
Once installed, ensure your agent has access to the user's financial profile data to maximize the effectiveness of this Openclaw Skills module.
Coverage Check Data Schema & Taxonomy
The skill organizes insurance data and risk analysis using the following structure:
| Attribute | Description | Data Type |
|---|---|---|
| policy_inventory | A list of all active insurance policies and their terms | Array |
| risk_profile | User demographic data, assets, and liability information | Object |
| coverage_gaps | Identified areas where the user lacks sufficient protection | List |
| redundancy_flags | Instances where multiple policies cover the same risk unnecessarily | List |
| priority_score | A ranking of which gaps need to be addressed first based on risk | Number |
Coverage Check Advanced Features
- Dynamic benchmarking that adjusts recommendations based on real-time economic shifts and regional cost-of-living data.
- Support for multi-agent workflows where this skill feeds data into broader financial planning Openclaw Skills.
- Automated triggers for coverage reviews when the AI agent detects life events in the user's communication or data.
- Detailed reporting hooks that export gap analysis into formatted PDF or Markdown summaries for user review.
SKILL.md
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