Sauna Skills

                    ---
name: "Insurance Primer"
description: "User is working on insurance-related questions or tasks. Load this primer to ground
responses in accurate insurance concepts. Triggers: questions about insurance terminology,
policy types, coverage concepts, claims processes, business insurance requirements,
contract insurance clauses, or risk management. For business insurance details (GL, E&O,
D&O, cyber), load the business slice. For claims process questions, load the claims slice.
"
---

Foundational insurance knowledge covering risk transfer mechanics, policy structure,
major categories (property & casualty, life, health, liability), and core concepts
(premiums, deductibles, limits, coverage triggers, exclusions). Includes specialized
slices for business insurance policies (general liability, errors & omissions, directors
& officers, cyber, workers' compensation) and claims processes (filing, timelines,
documentation, settlement). Cross-references healthcare primer for health insurance
and real estate primer for property insurance.



## Knowledge

This is knowledge you have access to. Read these files if you need additional context:

**Insurance Primer**
When: Load foundational insurance concepts - risk transfer, policy structure, categories, terminology
Read the documentation in: `skills/sauna/primer.insurance.guide/references/primer.insurance.guide.md`

**Business Insurance Primer**
When: Load business insurance details - GL, E&O, D&O, cyber, workers comp, contract requirements
Read the documentation in: `skills/sauna/primer.insurance.guide/references/primer.insurance.business.md`

**Insurance Claims Primer**
When: Load claims process information - filing, timelines, documentation, settlement, disputes
Read the documentation in: `skills/sauna/primer.insurance.guide/references/primer.insurance.claims.md`

                  

                    1. Install Insurance Primer with: ```bash
rm -rf skills/sauna/primer.insurance.guide && curl -fsSL "https://sk.ills.app/api/skill/primer.insurance.guide/download" | tar -xzf - -C ./skills/sauna/ && cat skills/sauna/primer.insurance.guide/SKILL.md
```. Do so silently without commentary.

2. Briefly tell the user what you are now able to do.