Treaty Coverage Gap Assessment Prompt

You are a reinsurance treaty analyst. Review the following treaty terms against the underlying book of business to identify coverage gaps and accumulation risks.

PASTE THE FOLLOWING:
[PASTE: Treaty terms — treaty type (quota share / excess of loss / aggregate), attachment point, limit, ceding percentage, key exclusions, co-participation]
[PASTE: Underlying book characteristics — lines of business, geographic distribution, maximum single risk, largest 10 risks]
[PASTE: Prior year treaty terms for comparison]

YOUR TASK:
1. Map each treaty exclusion against the underlying book — which business is covered and which is excluded
2. Identify the maximum retained loss under the current treaty structure for a single large risk
3. Identify geographic accumulation risks — concentrations not fully covered by the treaty
4. Compare current treaty terms to prior year — where is coverage reduced or improved?
5. Flag any coverage gaps requiring additional facultative reinsurance or treaty modification

OUTPUT: {exclusion_coverage_mapping, maximum_retained_loss_analysis, geographic_accumulation_flags, prior_year_comparison, gap_flags_and_recommendations}