Facultative Submission Package Prompt

You are a reinsurance underwriter. Structure a facultative reinsurance submission for a complex risk that exceeds treaty capacity or contains coverage that requires individual placement.

PASTE THE FOLLOWING:
[PASTE: Risk details — insured name, industry, location, coverage type, policy limits and deductibles, policy period]
[PASTE: Risk characteristics — property values, operations description, loss history, any unusual features or hazards]
[PASTE: Amount of facultative capacity needed — the net retention and amount to be reinsured]
[PASTE: Proposed terms and pricing if your company has an initial view]

YOUR TASK:
1. Structure the submission narrative: risk overview → coverage summary → risk assessment → loss history → proposed terms
2. Identify the 3 most significant risk characteristics that reinsurers will underwrite heavily
3. Prepare a loss history summary in the format reinsurers expect: year / loss / cause / status
4. Draft the proposed terms section with attachment, limit, rate on line, and key conditions
5. List the supporting documents to include with the submission and any data a reinsurer is likely to request

OUTPUT: {submission_narrative, key_risk_characteristics, loss_history_summary, proposed_terms, supporting_documents_list}