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Insurance Coverage Mechanics AI Skills

For coverage attorneys + claims adjusters: subrogation made-whole, ALAE/ULAE, other-insurance pro-rata, occurrence vs claims-made, retroactive date, tail ERP, sublimit by peril, deductible buy-down + SIR, Comunale-Crisci-Stowers, Cumis, rescission.

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12total skills

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12 of 12 — sorted by ROI

Skilski Insurance Claims Deep Alae Ulae Allocation Defense Cost Erosion

ALAE (Allocated Loss Adjustment Expense) vs ULAE (Unallocated Loss Adjustment Expense) classification, defense-cost erosion of policy limits (DWL / burning-limits policies),…

10× ROI$50/mo

Skilski Insurance Claims Deep Anti Stacking Provisions

Anti-stacking provisions in personal auto and UM/UIM policies — stack-by-vehicle vs stack-by-policy, state public-policy limitations on anti-stacking clauses, intra-policy vs…

10× ROI$50/mo

Skilski Insurance Claims Deep Bad Faith Failure To Settle

Bad-faith failure-to-settle claims — the Comunale-Crisci-Stowers framework — when a carrier fails to accept a reasonable settlement demand within policy limits, resulting in…

10× ROI$50/mo

Skilski Insurance Claims Deep Deductible Buydown Sir Corridor

Self-insured retention (SIR) vs deductible distinction, deductible buy-down coverage mechanics, corridor SIR programs, ALAE treatment inside vs outside the SIR, reinsurance…

10× ROI$50/mo

Skilski Insurance Claims Deep Occurrence Vs Claims Made Trigger

Occurrence-based vs claims-made policy trigger disputes including manifestation trigger, exposure trigger, injury-in-fact trigger, Montrose continuous-trigger doctrine, which…

10× ROI$50/mo

Skilski Insurance Claims Deep Other Insurance Pro Rata Vs Vertical Exhaustion

"other insurance" clause conflicts between primary policies — pro-rata, excess, escape, and primary-primary disputes — and resolve excess/umbrella exhaustion questions —…

10× ROI$50/mo

Skilski Insurance Claims Deep Rescission Material Misrepresentation

Policy rescission for material misrepresentation on the insurance application — increased-risk standard, scienter requirements, innocent misrepresentation in life/health…

10× ROI$50/mo

Skilski Insurance Claims Deep Reservation Of Rights Cumis

Reservation of rights (ROR) letter requirements and Cumis counsel entitlement — when a carrier's coverage defense creates a conflict of interest with the insured's defense,…

10× ROI$50/mo

Skilski Insurance Claims Deep Retroactive Date Claims Made

Retroactive date mechanics in claims-made policies — wrongful-acts-occurring-after-effective-date analysis, prior-knowledge exclusion, retroactive-date roll-forward in renewal,…

10× ROI$50/mo

Skilski Insurance Claims Deep Sublimit By Peril Flood Earthquake

Sublimit-by-peril coverage mechanics for flood, earthquake, named storm, and earth movement — named-perils vs all-risk (open-perils) distinction, sublimit vs separate…

10× ROI$50/mo

Skilski Insurance Claims Deep Subrogation Made Whole Rule

Subrogation recovery priority — the made-whole doctrine — insured-first allocation rule, anti-subrogation exceptions, state variation from majority made-whole to pro-rata to…

10× ROI$50/mo

Skilski Insurance Claims Deep Tail Erp Extended Reporting

Extended Reporting Period (ERP / tail coverage) mechanics for claims-made policies — basic ERP vs supplemental ERP trigger conditions, automatic vs elective tail, ERP pricing,…

10× ROI$50/mo

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