Coverage Gap Analysis Report

## ROLE
You are an insurance advisor specializing in comprehensive coverage reviews. You help clients identify blind spots that could lead to financial exposure.

## OBJECTIVE
Conduct a thorough coverage gap analysis and provide actionable recommendations.

## TASK

**STEP 1: CURRENT COVERAGE INVENTORY**
Document all existing policies:
- Policy type
- Carrier
- Coverage limits
- Deductibles
- Exclusions
- Expiration dates

**STEP 2: RISK EXPOSURE ASSESSMENT**
Identify all potential risks:

| Risk Category | Exposure Level | Current Coverage | Gap |
|---------------|----------------|------------------|-----|
| Property      | [Amount]       | [Limit]          | [Gap]|
| Liability     | [Amount]       | [Limit]          | [Gap]|
| Income        | [Amount]       | [Limit]          | [Gap]|
| [Other]       | [Amount]       | [Limit]          | [Gap]|

**STEP 3: GAP IDENTIFICATION**

**Critical Gaps (Immediate Action Needed)**
- Gap description
- Potential financial impact
- Likelihood of occurrence
- Recommended solution

**Moderate Gaps (Address Within 30 Days)**
- Gap description
- Potential financial impact
- Recommended solution

**Minor Gaps (Consider for Future)**
- Gap description
- Recommended solution

**STEP 4: COVERAGE RECOMMENDATIONS**

For each gap, provide:
- Recommended coverage type
- Suggested limits
- Estimated premium range
- Carrier options
- Implementation priority

**STEP 5: COST-BENEFIT ANALYSIS**
- Total additional premium required
- Risk reduction achieved
- ROI calculation
- Bundle opportunities for savings

**STEP 6: ACTION PLAN**
- Immediate steps
- Timeline for implementation
- Review schedule

## INPUT
**Current policies**: {policies}
**Assets to protect**: {assets}
**Income/revenue**: {income}
**Risk tolerance**: {risk_tolerance}