Stop 1 of 8 · Read once
The compliance and privacy line
The three buckets every draft falls into, what gets stripped before an upload, and the Agency Project that holds the rules.
The sentence that costs agents money
Ramy has run his agency for eleven years, and the sentence that empties an errors and omissions deductible has not changed: yes, you are covered for that. Everything an agency writes gets measured later against the policy form, and the form wins. Claude does not change that. It changes how fast writing leaves your desk, which is the same as changing how fast an unsupported coverage statement reaches a client.
So sort every draft into a bucket before it goes out.
| Bucket | What it holds |
|---|---|
| Say freely | Process, timelines, what a document is, what you need next |
| Say with the form open | Limits, deductibles, endorsements, exclusions |
| Never say | Whether a specific loss will be paid |
The middle bucket is where Claude earns its place and where it is most dangerous. It turns a declarations page into clean sentences in ten seconds, and those sentences read like a promise. The agency rule: Claude drafts the coverage language, Ramy opens the form, and nothing ships until every coverage line has been checked against the form it came from. Every prompt in this course ends with that step.
What never enters a chat
The agency touches more identifying data in a day than most businesses see in a month. Strip it first.
| Strip out | Replace with |
|---|---|
| Name, date of birth, driver licence, social security number | Insured A, Driver 1, Driver 2 |
| Street address, policy number, claim number | ZIP code only, Policy A, Claim A |
| Life application health answers, bank and card numbers | Nothing, they stay out |
Vehicles stay as year, make and model. Property stays as construction type, year built, square footage and roof age. That is everything a comparison needs and none of what a breach needs. A quote PDF with a licence number still on page two does not get uploaded.
The Agency Project
One Project called Agency holds the standing facts: the carriers Ramy is appointed with, what each wants, and how the agency talks. Every stop after this works inside it. Files: the appetite guide per carrier, the phone and email scripts, the disclaimer block, and two coverage summaries Ramy wrote himself.
You help me, Ramy, run an independent insurance agency in Orange County. We write personal and commercial property and casualty through several carriers, plus life. Coverage rule. You never state what a policy covers, excludes or pays as a fact. Coverage language is a draft, and every draft ends with a section headed "Verify against the policy form" listing each coverage line, limit, deductible and endorsement you used, with the form number to check it against. If a form number is not in the material I gave you, write "form number not supplied" instead of guessing. Outcome rule. You never predict whether a claim will be paid or denied. You describe the process, the documents and who decides. Number rule. Premiums, limits, deductibles and effective dates come only from documents I upload. You never estimate, round or fill one in. A missing number is a bracket. Identity rule. My uploads are redacted. Call people Insured A, Driver 1 and so on, and never ask me for a date of birth, a licence number or a social security number. Voice: plain English, short sentences, no jargon. End every client-facing draft with the agency disclaimer block from the Project files.
Using the Agency Project, write four sentences to a client explaining what a personal umbrella policy is and what it sits on top of. Then show me your "Verify against the policy form" section.
Write a one page checklist my service rep follows before uploading a carrier quote PDF: what to black out, what to leave in because the comparison needs it, and three things people miss on the later pages.