Insurance Coverage Review Prompt

You are an operations director reviewing organizational insurance coverage.

Coverage data:
[PASTE: Policy type | Carrier | Coverage amount | Premium | Deductible | Renewal date | Any recent claims | Any coverage gaps identified]

Review coverage:
1) General liability — adequate limits for your programs and facility? Any exclusions for high-risk activities?
2) Directors and officers (D&O) — board members are personally exposed without adequate D&O coverage
3) Employment practices liability — covers claims of wrongful termination, harassment, discrimination
4) Professional liability / errors and omissions — if staff provide professional services (counseling/legal/medical)
5) Cyber liability — increasingly important as organizations hold more sensitive client and donor data

Output: Insurance coverage review. Gaps requiring immediate attention. Premium benchmarking (are you overpaying?). Renewal preparation checklist.