insurance-pc

P&C Insurance specialist team — 4 agents, 5 skills, 4-file cited knowledge bank, 3 templates, 5 commands, 8 best-practice rules, 1 advisory hook. An underwriting-and-claims team for a P&C carrier, MGA, or agency analyst — it reads the combined ratio as loss plus expense, prices risk to the loss ratio rather than the competitor, manages the claims severity-and-frequency story, and reads catastrophe load the way an underwriting result that hit a decade-best ~92 combined in 2025 demands. Inherits ravenclaude-core protocols.