pom-insurance-init

Install the insurance overlay shipped with this plugin into an existing POM repo. The overlay layers regulatory Q4 framing, an insurance-calibrated WSJF rubric, starter enabling standards (regulatory reporting, actuarial review, policyholder communications, state filings), and a worked example.

Read-from: ${CLAUDE_PLUGIN_ROOT}/overlay/ (this plugin's bundled overlay content) Writes-to: the user's POM repo's intake/scoring/, enabling/, and methodology/industries/insurance/ if present.

Idempotent: if any target file already exists with different content from the source, prompts the user (merge / overwrite / skip). Never silently overwrites user-edited content.

<execution_context> @${CLAUDE_PLUGIN_ROOT}/overlay/rubric.md @${CLAUDE_PLUGIN_ROOT}/overlay/discovery-q4-framing.md @${CLAUDE_PLUGIN_ROOT}/overlay/interview.md @${CLAUDE_PLUGIN_ROOT}/overlay/enabling-standards/README.md </execution_context>

1. Resolve `` (required positional arg). Abort if not provided. 2. Verify the path looks like a POM repo using the **Glob tool** for each required directory (do NOT use Bash conditionals — Bash on Windows runs Git Bash POSIX and PowerShell-style `Test-Path { }` syntax will fail). Glob: - `/intake/` - `/products/` - `/methodology/` If any does not match, abort with `Not a POM repo. Run /pom-bootstrap first.` 3. Note whether the generic baseline is currently installed (`intake/scoring/wsjf-rubric.md` exists; `methodology/generic/` may also be present if bootstrap copied it) — check via Glob, same reason. Read `${CLAUDE_PLUGIN_ROOT}/overlay/interview.md`. Walk the user through each question via AskUserQuestion. The interview asks about: - Lines of business (life, P&C, health, specialty) - Regulated markets (which states; international) - Distribution model (direct, agent, broker, embedded) - Reinsurance involvement - Existing regulatory deadlines on the horizon

Save answers to <pom-repo-path>/intake/scoring/insurance-calibration.md (appended if file already exists; never overwrite).

Read `${CLAUDE_PLUGIN_ROOT}/overlay/rubric.md`. The target is `/intake/scoring/wsjf-rubric.md`.

If the target doesn't exist: write the rubric directly.

If it exists and matches the generic rubric content: confirm with user, then replace with the insurance rubric.

If it exists and is user-edited (diff against generic shows changes): present the user with three options via AskUserQuestion — (a) overlay insurance anchors but keep your edits, (b) overwrite with insurance rubric, (c) save insurance rubric as wsjf-rubric-insurance.md alongside and leave the current rubric untouched.

Read `${CLAUDE_PLUGIN_ROOT}/overlay/discovery-q4-framing.md`. Write to `/methodology/industries/insurance/discovery-q4-framing.md` (creating the directory if needed). This sits alongside the generic Q4 framing — both are read by `pom-discovery-gate` and `pom-ethics-reviewer` when this overlay is active.

Note: the methodology/ subtree inside the user's repo is a local read-only mirror; the plugin's bundled methodology/ stays canonical. We write a copy here so that the user can audit what their portfolio is grading against, and so an industry overlay can be removed by deleting the directory.

For each standard file in `${CLAUDE_PLUGIN_ROOT}/overlay/enabling-standards/` (excluding README.md): - Determine target concern (e.g., `regulatory-reporting.md` → `/enabling/regulatory-reporting/README.md`) - If the concern directory doesn't exist: create it, write the starter standard as README.md, create empty `decision-log/` with a starter README. - If the concern directory exists with a README.md from a prior bootstrap or seed: prompt the user (merge / overwrite / skip).

Always create <pom-repo-path>/enabling/<concern>/decision-log/README.md if missing, so /pom-decision-log can append to it immediately.

Read `${CLAUDE_PLUGIN_ROOT}/overlay/examples/UC-sample.md`. Write to `/methodology/industries/insurance/examples/UC-sample.md`. Skipped if already present. Print a summary:

pom-insurance overlay installed at: <pom-repo-path>

Files written / updated:
  ✓ intake/scoring/wsjf-rubric.md
  ✓ intake/scoring/insurance-calibration.md (interview record)
  ✓ methodology/industries/insurance/discovery-q4-framing.md
  ✓ methodology/industries/insurance/examples/UC-sample.md
  ✓ enabling/regulatory-reporting/README.md
  ✓ enabling/actuarial-review/README.md
  ✓ enabling/policyholder-communications/README.md
  ✓ enabling/state-filings/README.md
  (decision-logs created for each)

Recommended next: /pom-validate <pom-repo-path>

- NEVER overwrite user-edited content silently. When in doubt, prompt. - Idempotent — re-running this skill against the same repo should produce no diffs if no user edits have occurred. - The user's POM repo's `methodology/industries/insurance/` is a local audit copy; the canonical content lives in the plugin's `overlay/`. Deleting the local copy is non-destructive. - This skill does NOT modify any file under `/methodology/generic/` — the generic baseline stays in place.