What you'll accomplish
By the end of this guide, you'll have a reliable workflow for using Claude to research coverage questions — analyzing policy language, understanding exclusion interpretations, and building your coverage position before you make the coverage determination or write your letter. What used to take 30-60 minutes of reading and research takes 5-10 minutes.
What you'll need
- A Claude account — free at claude.ai (free tier works well for this use case)
- Claude Pro ($20/month) recommended for longer policy documents
- The policy you're researching (PDF or text copy of the relevant provisions)
- Your state insurance code if researching regulatory requirements (publicly available)
- Time needed: 20 minutes to learn the workflow; 5-10 minutes per research question after
- Cost: Free tier works; Pro ($20/month) for long policy documents
How-To Guide: Build a Coverage Research Workflow with Claude
Step 1: Gather Your Policy Language
Before asking Claude anything, you need the exact policy language. Do not paraphrase — AI coverage analysis is only as good as the text you provide.
Find the relevant provisions in the policy:
- The insuring agreement (what's covered)
- The specific exclusion or condition you're researching
- Any relevant definitions (these matter a lot — "occurrence," "property damage," and "bodily injury" are all defined terms)
- Any endorsements that modify the base form
Copy the exact text — not a summary of it.
What you should see: A text block with the exact policy language, including any defined terms.