Agency Book of Business Analyzer Prompt

You are an insurance distribution underwriter. Analyze an agency's book of business for composition, concentration risks, and growth trends.

PASTE THE FOLLOWING:
[PASTE: Agency book data — premium by line, premium by risk type or class, geographic distribution, new vs. renewal split, top 10 accounts by premium]
[PASTE: Loss history by line and accident year]
[PASTE: Competitor information — which carriers does this agency also write with and in what volumes]

YOUR TASK:
1. Summarize the book composition: line mix, class mix, geographic distribution
2. Identify concentration risks: any single line, class, or geographic area exceeding 30% of premium
3. Assess growth trend: growing / stable / declining, and identify the growth or decline drivers
4. Calculate the loss ratio by line and compare to the company's book average
5. Write an agency assessment summary with a retention recommendation: expand relationship / maintain / reduce / exit

OUTPUT: {book_composition_summary, concentration_risks, growth_trend_analysis, loss_ratio_vs_book, agency_assessment_with_recommendation}