# Assess Data Insurance Risks and Coverage

Organizations often lack a structured way to match data risks with suitable insurance coverage. This skill produces practical assessments, coverage plans, exclusion reviews, and claims checklists.

## Install

```bash
npx skillstore add 图灵数盟/dhturing-data-insurance-expert
```

## Metadata

- Status: approved
- Slug: dhturing-data-insurance-expert
- Skillstore revision: r1
- Version status: missing
- Tree hash: 99627acb7025f6e86e46fb7ea7243e90192198f525d59dcc4a4515f3570c7dd2
- Author: 图灵数盟
- GitHub username: dhturing
- License: MIT
- Repository: https://github.com/dhturing/turing-data-experts/tree/9c58ffa97ec5b760befef6f910eb23107cdcdbf4/skills/data-insurance-expert
- Ref: 50b73f83991cf073cbdf3f5afad2bbac71dd3bae
- Supported tools: Claude, Codex, Claude Code
- Audit status: complete
- Agent install advisory: allowed
- Manual install advisory: allowed
- Artifact signature: available
- Audit attestation: unavailable
- Human verification: not\_verified
- Risk factors: filesystem, external\_commands, network
- Quality score: 77
- Quality tier: bronze
- Public page: https://skillstore.pages.dev/skills/dhturing-data-insurance-expert
- Manifest: https://skillstore.pages.dev/api/skills/dhturing-data-insurance-expert/manifest

## Capabilities

- Identifies data leakage, alteration, loss, infringement, and service error risks.
- Maps assessed risks to cyber, data-loss, E&O, and intellectual property insurance.
- Suggests methods for estimating coverage limits, deductibles, and policy periods.
- Reviews exclusions and highlights scenarios that may not be covered.
- Prepares structured materials for broker discussions, underwriting, claims, and annual reviews.
- Drafts insurance coverage disclosures for financing and data transactions.

## Use Cases

- Evaluate data asset risks: Create an insurable risk register for data assets before requesting broker quotations.
- Compare policy coverage: Compare proposed policies by coverage limits, deductibles, exclusions, waiting periods, and disclosure duties.
- Prepare financing disclosure: Explain insurance coverage and remaining risks to lenders or transaction partners without presenting insurance as a guarantee.

## Prompt Templates

### Identify basic data risks

```
List the insurable risks for [data asset]. Cover leakage, alteration, loss, infringement, and service errors. State what information is missing.
```

### Design a coverage mix

```
Design an insurance mix for [organization]. Compare cyber, data-loss, E&O, and intellectual property coverage. Explain suggested limits and deductibles.
```

### Review policy exclusions

```
Review these policy terms: [terms]. Create a plain-language exclusion table. Identify coverage gaps, disclosure duties, waiting periods, and questions for the broker.
```

### Build a claims and financing package

```
Using [incident facts] and [policy terms], prepare a claims evidence checklist and financing disclosure. Separate covered, uncertain, excluded, and uninsured losses.
```

## Limitations

- It does not issue policies, bind coverage, or guarantee an insurer will accept a risk.
- It cannot replace legal, regulatory, tax, actuarial, or licensed insurance advice.
- Premiums, policy terms, and product availability require current quotations from insurers or brokers.
- Recommendations depend on accurate asset, security, incident, and policy information supplied by the user.

## Best Practices

- Provide current asset values, data classifications, security controls, incident history, and complete policy wording.
- Request plain-language explanations for every exclusion, condition, sublimit, waiting period, and reporting deadline.
- Validate recommendations with licensed brokers, insurers, and legal advisers before making coverage or claims decisions.

## Anti Patterns

- Do not select a policy using premium alone while ignoring exclusions and coverage limits.
- Do not conceal incidents, vulnerabilities, or material risk facts during underwriting.
- Do not describe insurance as legal immunity, an asset guarantee, or assurance of financing approval.

## Security Audit

- Audited at: 2026-09-27T03:13:53.097\+00:00
- Summary: All 12 static findings are false positives caused by Markdown syntax, installation documentation, ordinary website links, or entropy heuristics applied to Chinese text. The reviewed files contain no executable commands, network operations, obfuscated payloads, or prompt injection attempts.

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