AI Prompt Library

Insurance Law prompts for Australian lawyers

These prompts are designed for AU insurance practitioners acting for insurers, insureds, and brokers across property, liability, D&O, PI, and life insurance matters. Copy any prompt, replace placeholders with your matter facts, and run it.

In short

A curated library of 25 AI prompts for Australian insurance lawyers. Each prompt is grounded in the Insurance Contracts Act 1984 and current Federal Court and Supreme Court coverage authority. Use them with Quillio for policy review, claims handling, and disputes.

Run these prompts on your matters — free trial

Research

Research prompts (5)

Research duty of utmost good faith

Prompt

Research the current scope of the duty of utmost good faith in section 13 of the Insurance Contracts Act. Cover recent Federal Court authority and the duty's application to claims handling.

Example use: Advising an insured on an insurer's conduct in a contested property claim.

Research non-disclosure remedies

Prompt

Research the current remedies for non-disclosure under sections 21-29 of the Insurance Contracts Act. Cover the distinction between fraud and innocent non-disclosure.

Example use: An insurer assessing avoidance options after discovering undisclosed medical history in a life claim.

Research D&O policy coverage triggers

Prompt

Research the current approach to D&O policy coverage triggers, including claim definitions and the insuring clause. Cite recent Australian coverage decisions.

Example use: Assessing coverage for a director facing ASIC investigation and subsequent civil penalty proceedings.

Research professional indemnity exclusions

Prompt

Research the current interpretation of typical professional indemnity exclusions (known circumstances, prior knowledge, dishonesty). Cite recent appellate decisions.

Example use: A PI insurer considering denial of cover for a financial adviser claim based on the prior knowledge exclusion.

Research third-party claim rights under ICA

Prompt

Research the rights of third parties to claim directly against an insurer under section 51 of the Insurance Contracts Act. Cover the insolvency trigger and limitations.

Example use: A third-party claimant pursuing a defunct company's liability insurer directly.

Drafting

Drafting prompts (5)

Draft a coverage position letter

Prompt

Draft a coverage position letter from an insurer to an insured. Facts: [details]. Position: [grant/deny/reserve rights]. Cite the relevant policy provisions and ICA obligations.

Example use: A coverage position letter declining cover on a professional indemnity claim based on an exclusion.

Draft a reservation of rights letter

Prompt

Draft a reservation of rights letter. Policy: [details]. Claim: [details]. Grounds for reservation: [details]. Ensure compliance with section 13 obligations.

Example use: Reserving rights while investigating a property claim with suspected arson.

Draft a subrogation letter of demand

Prompt

Draft a subrogation letter of demand from an insurer to a responsible third party. Loss: [details]. Amount paid: [$]. Basis of liability: [details].

Example use: A subrogation claim against a negligent contractor after a fire loss paid under a property policy.

Draft a complaint to AFCA

Prompt

Draft a complaint to AFCA on behalf of an insured. Facts: [details]. Basis of complaint: [details]. Remedy sought: [details]. Include the ICA provisions relied on.

Example use: A complaint against a life insurer's TPD decision refusing benefits to a claimant with a chronic condition.

Draft a statement of claim — coverage dispute

Prompt

Draft a statement of claim for a coverage dispute. Insured: [details]. Insurer: [details]. Policy: [details]. Plead the insuring clause, breach, and declaratory relief.

Example use: An insured seeking a declaration of coverage under a business interruption policy.

Review

Review prompts (5)

Review a policy wording

Prompt

Review this [type] policy wording. Identify the insuring clauses, exclusions, conditions, and any unusual endorsements that affect coverage for [claim type].

Example use: A review of a management liability policy to advise on coverage for an ASIC investigation.

Review a claim file

Prompt

Review this claim file. Identify the key factual issues, the insurer's reasoning, and any points that support or undermine the coverage position.

Example use: A claim file review for a denied professional indemnity claim ahead of an internal dispute resolution.

Review an AFCA determination

Prompt

Review this AFCA determination. Identify any errors of law or procedure, and assess whether any court-based challenge is available.

Example use: A determination against an insurer in a life insurance claim with significant financial consequences.

Review a duty of disclosure response

Prompt

Review this insured's proposal form responses against the known facts. Identify any non-disclosure issues and assess the insurer's remedies under sections 28-29.

Example use: An insurer investigating potential non-disclosure in a business pack policy after a fire loss.

Review a reinsurance dispute

Prompt

Review this reinsurance follow-the-fortunes clause and the circumstances of the underlying settlement. Assess whether the cedent's settlement binds the reinsurer.

Example use: A dispute between a reinsurer and a cedent over a commercially settled D&O claim.

Client comms

Client comms prompts (5)

Explain a coverage position

Prompt

Draft a plain-English letter to an insured client explaining the insurer's coverage position and the options available, including IDR and AFCA.

Example use: Explaining a coverage denial to a small business client under a business pack policy.

Explain the duty of disclosure

Prompt

Draft a plain-English explanation of the duty of disclosure under the ICA, including consequences of non-disclosure.

Example use: A client completing a renewal proposal for a professional indemnity policy.

Explain claims handling obligations

Prompt

Draft a plain-English letter explaining an insurer's claims handling obligations under section 13 and the General Insurance Code of Practice.

Example use: An insured concerned about slow claims handling in a large property claim.

Explain AFCA process

Prompt

Draft a plain-English explanation of the AFCA process for an insured considering an external dispute, including eligibility, timeframes, and outcomes.

Example use: A retail client considering AFCA after IDR dispute resolution.

Explain subrogation

Prompt

Draft a plain-English letter to an insured explaining subrogation, the insurer's rights, and the insured's duty to cooperate.

Example use: An insured party to a property loss where the insurer plans to pursue a subcontractor.

Strategy

Strategy prompts (5)

Strategy for a large coverage dispute

Prompt

Develop a strategy for a large coverage dispute. Facts: [details]. Consider policy triggers, multiple layers, and commercial drivers on both sides.

Example use: A multi-layer D&O dispute arising from a class action against a listed company.

Strategy for non-disclosure investigation

Prompt

Develop an investigation strategy for suspected non-disclosure. Facts: [details]. Consider the remedies, the section 21A questions, and the factual analysis required.

Example use: An insurer investigating historical medical non-disclosure in a disputed life claim.

Strategy for subrogation recovery

Prompt

Develop a subrogation recovery strategy. Loss: [details]. Potential respondents: [details]. Consider liability, limitation, and commercial realities.

Example use: A subrogation claim against multiple contractors following a construction-phase fire.

Strategy for defending an AFCA complaint

Prompt

Develop a strategy for defending an AFCA complaint. Complaint: [details]. Consider the monetary limit, the insurer's policy arguments, and settlement options.

Example use: A complaint by a small business insured against a business interruption denial.

Strategy for a class action coverage dispute

Prompt

Develop a strategy for managing D&O coverage during a class action. Facts: [details]. Consider tower layers, allocation, and defence cost advancement.

Example use: Coverage strategy for directors facing a shareholder class action seeking $200M in damages.

Use with Quillio

Run these prompts grounded in AU law

Quillio is built for Australian insurance practice — every output is grounded in the Insurance Contracts Act, AFCA guidance, and current appellate coverage authority. See /practice-areas/insurance-lawyers for details, or start a free trial at /free-trial to use these prompts on your own matters.

These prompts are templates — always verify outputs against source material and current legislation before relying on them in client matters.

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