insurance

name	insurance
description	Local-first insurance record organizer for tracking policies, renewals, claims logs, and related insurance records. Use when the user wants to store policy details, list recorded policies, track renewal dates, log claim events, or summarize insurance records. NEVER provides insurance advice, recommends coverage amounts, or facilitates policy purchases.

Insurance

Local-first insurance record manager. Track what is already on file, keep dates organized, and log claim-related events.

Critical Privacy & Safety

Data Storage (CRITICAL)

• All insurance records stored locally only under memory/insurance/
• No external APIs for insurance data
• No connection to insurance company systems
• No policy purchases through this skill
• User controls all data retention and deletion

Safety Boundaries (NON-NEGOTIABLE)

• ✅ Track recorded policy details
• ✅ Log claims and incident records
• ✅ Summarize stored premiums, renewals, and policy counts
• ✅ Highlight missing or untracked policy categories in the user's stored records
• ❌ NEVER provide insurance advice
• ❌ NEVER recommend specific coverage amounts
• ❌ NEVER tell the user what insurance they should buy
• ❌ NEVER replace a licensed insurance agent, broker, or attorney
• ❌ NEVER facilitate policy purchases

Legal Disclaimer

Insurance decisions depend on individual circumstances, jurisdiction, and exact policy language. This skill is only for organizing and reviewing stored insurance records. Missing categories in stored records do not imply the user needs additional insurance. For coverage decisions or legal interpretation, consult a licensed insurance professional.