feat: insurance-claims-handler skill package v0.1.0

2026-08-14 18:25:14 +02:00
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--- a/PROVENANCE.md
+++ b/PROVENANCE.md
@@ -0,0 +1,31 @@
+# Data provenance — insurance-claims-handler
+
+Where the content of this skill package comes from, counted by
+content items (tasks, competences, tools, evidence entries, curated
+knowledge). Rendered live by Gitea:
+
+```mermaid
+%%{init: {'theme':'base','themeVariables':{'pie1':'#f9a825','pie2':'#1e88e5','pie3':'#ff355e','pie4':'#d97757','pie5':'#8e24aa','pieOuterStrokeWidth':'0px','pieSectionTextColor':'#fff'}}}%%
+pie showData
+    title Content sources — insurance-claims-handler
+    "ESCO (occupation & competences)" : 33
+    "O*NET (tasks & tools)" : 129
+    "Job boards (market evidence)" : 110
+    "Anthropic official Claude skills" : 6
+    "External AI skill packs (mapped)" : 140
+```
+
+| Source | Items | Share | Files |
+|---|---|---|---|
+| ESCO (occupation & competences) | 33 | 7.9 % | references/profile.md, references/skills.md |
+| O*NET (tasks & tools) | 129 | 30.9 % | references/tasks.md, references/tools.md |
+| Job boards (market evidence) | 110 | 26.3 % | references/market.md (full report) + "Market evidence" headline sections |
+| Wikipedia & AI expert curation | 0 | 0.0 % | glossary, literature, usecases, intake, quality, evals/ |
+| Anthropic official Claude skills | 6 | 1.4 % | references/ai-skills.md, section "anthropics/skills" (official Claude Code skills) |
+| External AI skill packs (mapped) | 140 | 33.5 % | references/ai-skills.md (per-source attribution inside) |
+| Stack Exchange practitioner Q&A (CC-BY-SA) | 0 | 0.0 % | references/practitioner-qa.md (per-entry attribution inside) |
+
+Licensing: O*NET (USDOL/ETA, CC BY 4.0) · ESCO (© European Union) ·
+job-ad evidence via official APIs (JSearch/Adzuna) · Wikipedia content
+paraphrased with source URLs — never copied · external AI skills are
+linked, not copied (Apache-2.0/MIT/source-available, see ai-skills.md).
--- a/SKILL.md
+++ b/SKILL.md
@@ -0,0 +1,72 @@
+---
+name: insurance-claims-handler
+description: "Occupational skill for the role 'insurance claims handler' (also: claims adjuster, travelling insurance assessor, claims examiner, insurance claims analyst, civil damages inspector, claims inspector). Use when the user asks for typical insurance claims handler work such as: Examine claims forms and other records to determine insurance coverage.; Analyze information gathered by investigation and report findings and recommendations.; Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability."
+---
+
+# Insurance Claims Handler
+
+Insurance claims handlers ensure that all insurance claims are handled accurately and that payment for valid claims is made to the policyholders. They use statistical data and reporting to calculate and adjust claims as needed, communicate with and guide policyholders and monitor the progress of a claim.
+
+## Core workflow
+
+1. Examine claims forms and other records to determine insurance coverage.
+2. Analyze information gathered by investigation and report findings and recommendations.
+3. Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
+4. Investigate and assess damage to property and create or review property damage estimates.
+5. Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
+6. Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
+7. Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
+8. Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
+
+## How to use this skill
+
+- Read [references/profile.md](references/profile.md) for the occupation profile and scope.
+- Consult [references/tasks.md](references/tasks.md) for the full task and activity inventory.
+- Check [references/skills.md](references/skills.md) for essential vs. optional competences.
+- Check [references/tools.md](references/tools.md) for the software commonly used in this role.
+- See [references/ai-skills.md](references/ai-skills.md) — matched external AI agent skills (per-source attribution).
+
+## Key competences (essential)
+
+- actuarial science
+- analyse claim files
+- apply technical communication skills
+- calculate compensation payments
+- claims procedures
+- classify insurance claims
+- communicate with beneficiaries
+- fraud detection
+- handle incoming insurance claims
+- insurance law
+- interview insurance claimants
+- maintain records of financial transactions
+- manage claim files
+- organise a damage assessment
+- principles of insurance
+
+## Hot technologies
+
+- Microsoft Access
+- Microsoft Outlook
+- Apple Safari
+- Mozilla Firefox
+- Microsoft Office software
+- Microsoft PowerPoint
+- Microsoft Excel
+- Zoom
+- Microsoft Word
+
+
+<!-- hot-tech -->
+
+## Hot technologies
+
+Top tools from 66 gated job ads (see references/market.md, as of 2026-07-14):
+
+- Xactimate — 21 %
+- Microsoft Word — 5 %
+
+<!-- hot-tech -->
+
+---
+*Sources: ESCO v1.2.1 (http://data.europa.eu/esco/occupation/01a83071-6533-4675-b2da-f0c6d02669f5), O*NET 30.3 (13-1031.00). See manifest.json for licensing/attribution.*
--- a/manifest.json
+++ b/manifest.json
@@ -0,0 +1,202 @@
+{
+  "name": "insurance-claims-handler",
+  "title": "insurance claims handler",
+  "version": "0.1.0",
+  "layer": "core",
+  "language": "en",
+  "generated": "2026-07-07",
+  "ids": {
+    "esco_uri": "http://data.europa.eu/esco/occupation/01a83071-6533-4675-b2da-f0c6d02669f5",
+    "esco_code": "3315.3",
+    "isco_group": "3315",
+    "onet_soc": "13-1031.00",
+    "crosswalk_match": "closeMatch"
+  },
+  "sources": [
+    {
+      "name": "ESCO",
+      "version": "1.2.1",
+      "url": "https://esco.ec.europa.eu/"
+    },
+    {
+      "name": "O*NET",
+      "version": "30.3",
+      "url": "https://www.onetcenter.org/",
+      "license": "CC BY 4.0"
+    }
+  ],
+  "attribution": "This package includes information from the O*NET Database (v30.3) by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), CC BY 4.0. skillfactor is not endorsed by USDOL/ETA. ESCO data (v1.2.1) (c) European Union, used per the ESCO download conditions: https://esco.ec.europa.eu/en/use-esco/download",
+  "counts": {
+    "tasks": 29,
+    "dwas": 26,
+    "skills_essential": 19,
+    "skills_optional": 13,
+    "software": 73
+  },
+  "enrichment_ai_skills": {
+    "generated": "2026-07-14",
+    "method": "deterministic mapping (ISCO prefix + title/competence keywords)",
+    "sources": {
+      "anthropics/skills": {
+        "repo": "https://github.com/anthropics/skills",
+        "commit": "f6656c1",
+        "license": "Apache-2.0; the document skills (docx/pdf/pptx/xlsx) are source-available \u2014 see the LICENSE.txt in the upstream skill folder",
+        "skills": 3
+      },
+      "NVIDIA/skills": {
+        "repo": "https://github.com/NVIDIA/skills",
+        "commit": "153b14b",
+        "license": "CC-BY-4.0 (skills/docs), Apache-2.0 (code)",
+        "skills": 12
+      },
+      "google/skills": {
+        "repo": "https://github.com/google/skills",
+        "commit": "b15f327",
+        "license": "Apache-2.0",
+        "skills": 12
+      },
+      "phuryn/pm-skills": {
+        "repo": "https://github.com/phuryn/pm-skills",
+        "commit": "18468a9",
+        "license": "MIT",
+        "skills": 9
+      },
+      "brycewang-stanford/Auto-Empirical-Research-Skills": {
+        "repo": "https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills",
+        "commit": "85bf545",
+        "license": "CC-BY-4.0",
+        "skills": 4
+      },
+      "mukul975/Anthropic-Cybersecurity-Skills": {
+        "repo": "https://github.com/mukul975/Anthropic-Cybersecurity-Skills",
+        "commit": "673da1f",
+        "license": "Apache-2.0",
+        "skills": 1
+      },
+      "a5c-ai/babysitter": {
+        "repo": "https://github.com/a5c-ai/babysitter",
+        "commit": "44a5d58b",
+        "license": "MIT",
+        "skills": 7
+      },
+      "alirezarezvani/claude-skills": {
+        "repo": "https://github.com/alirezarezvani/claude-skills",
+        "commit": "0241f43",
+        "license": "MIT",
+        "skills": 7
+      },
+      "davila7/claude-code-templates": {
+        "repo": "https://github.com/davila7/claude-code-templates",
+        "commit": "fa79251",
+        "license": "MIT",
+        "skills": 6
+      },
+      "K-Dense-AI/claude-scientific-skills": {
+        "repo": "https://github.com/K-Dense-AI/claude-scientific-skills",
+        "commit": "4d97e29",
+        "license": "MIT",
+        "skills": 1
+      },
+      "foryourhealth111-pixel/Vibe-Skills": {
+        "repo": "https://github.com/foryourhealth111-pixel/Vibe-Skills",
+        "commit": "34429a8",
+        "license": "Apache-2.0",
+        "skills": 1
+      },
+      "K-Dense-AI/scientific-agent-skills": {
+        "repo": "https://github.com/K-Dense-AI/scientific-agent-skills",
+        "commit": "4d97e29",
+        "license": "MIT",
+        "skills": 1
+      },
+      "ahacker-1/cre-agent-skills": {
+        "repo": "https://github.com/ahacker-1/cre-agent-skills",
+        "commit": "618734e",
+        "license": "Apache-2.0",
+        "skills": 3
+      },
+      "huangjia2019/claude-code-engineering": {
+        "repo": "https://github.com/huangjia2019/claude-code-engineering",
+        "commit": "5ed066a",
+        "license": "no explicit license \u2014 referenced by link only",
+        "skills": 1
+      },
+      "nexscope-ai/eCommerce-Skills": {
+        "repo": "https://github.com/nexscope-ai/eCommerce-Skills",
+        "commit": "56f3288",
+        "license": "MIT",
+        "skills": 3
+      },
+      "davepoon/buildwithclaude": {
+        "repo": "https://github.com/davepoon/buildwithclaude",
+        "commit": "3c94e0c",
+        "license": "MIT",
+        "skills": 2
+      },
+      "jeremylongshore/claude-code-plugins-plus-skills": {
+        "repo": "https://github.com/jeremylongshore/claude-code-plugins-plus-skills",
+        "commit": "e112938a",
+        "license": "MIT",
+        "skills": 2
+      },
+      "sanjay3290/ai-skills": {
+        "repo": "https://github.com/sanjay3290/ai-skills",
+        "commit": "3619692",
+        "license": "Apache-2.0",
+        "skills": 1
+      },
+      "mohitagw15856/pm-claude-skills": {
+        "repo": "https://github.com/mohitagw15856/pm-claude-skills",
+        "commit": "876fa30",
+        "license": "MIT",
+        "skills": 1
+      },
+      "alirezarezvani/claude-code-skill-factory": {
+        "repo": "https://github.com/alirezarezvani/claude-code-skill-factory",
+        "commit": "ba18b31",
+        "license": "MIT",
+        "skills": 1
+      },
+      "hypnguyen1209/offensive-claude": {
+        "repo": "https://github.com/hypnguyen1209/offensive-claude",
+        "commit": "4d62be7",
+        "license": "MIT",
+        "skills": 1
+      },
+      "staruhub/ClaudeSkills": {
+        "repo": "https://github.com/staruhub/ClaudeSkills",
+        "commit": "3d4045d",
+        "license": "MIT",
+        "skills": 1
+      }
+    },
+    "total_skills": 80,
+    "tiers": {
+      "core": 50,
+      "adjacent": 30
+    }
+  },
+  "provenance": {
+    "items": {
+      "esco": 33,
+      "onet": 129,
+      "jobads": 110,
+      "wiki_ai": 0,
+      "anthropic": 6,
+      "ai_skills": 140,
+      "stackx": 0
+    },
+    "share_percent": {
+      "esco": 7.9,
+      "onet": 30.9,
+      "jobads": 26.3,
+      "wiki_ai": 0.0,
+      "anthropic": 1.4,
+      "ai_skills": 33.5,
+      "stackx": 0.0
+    },
+    "method": "content items per source category"
+  },
+  "collar": "white",
+  "computer_work": true
+}
--- a/references/ai-skills.md
+++ b/references/ai-skills.md
@@ -0,0 +1,274 @@
+# External AI agent skills — insurance-claims-handler
+
+Proven, publicly available AI agent skills mapped to this occupation.
+Nothing is copied from the sources: every entry is a name, a one-line
+summary and a link to the upstream skill package. Each section names
+its source repository, commit, license and retrieval date.
+
+**Tiers:** `core` = the skill directly exercises a top market hard
+skill, tool or method (from gated job-ad evidence) or an essential
+ESCO competence of this occupation; `adjacent` =
+plausibly useful, secondary. Entries are capped at 12 per source
+and 80 in total per occupation (core first,
+strongest matches survive); everything beyond the caps is excluded
+and logged in the pipeline audit trail, not in this package.
+
+_Matched deterministically (ISCO group + title/competence keywords,
+tiered against market evidence + ESCO essentials) by
+`pipeline/p5_enrich_ai_skills.py` on 2026-07-14._
+
+## Source: anthropics/skills
+
+- Repository: [https://github.com/anthropics/skills](https://github.com/anthropics/skills) (commit `f6656c1`, retrieved 2026-07-14)
+- License: Apache-2.0; the document skills (docx/pdf/pptx/xlsx) are source-available — see the LICENSE.txt in the upstream skill folder
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `docx` | adjacent | Use this skill whenever the user wants to create, read, edit, or manipulate Word documents (.docx files) or Word templates (.dotx files). Triggers include: any mention of 'Word doc', 'word document', '.docx', '.dotx', or requests to … | [source](https://github.com/anthropics/skills/tree/main/skills/docx) |
+| `pdf` | adjacent | Use this skill whenever the user wants to do anything with PDF files. This includes reading or extracting text/tables from PDFs, combining or merging multiple PDFs into one, splitting PDFs apart, rotating pages, adding watermarks, creating … | [source](https://github.com/anthropics/skills/tree/main/skills/pdf) |
+| `xlsx` | adjacent | Use this skill any time a spreadsheet file is the primary input or output. This means any task where the user wants to: open, read, edit, or fix an existing .xlsx, .xlsm, .xltx, .csv, or .tsv file (e.g., adding columns, computing formulas, … | [source](https://github.com/anthropics/skills/tree/main/skills/xlsx) |
+
+## Source: a5c-ai/babysitter
+
+- Repository: [https://github.com/a5c-ai/babysitter](https://github.com/a5c-ai/babysitter) (commit `44a5d58b`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `lms-admin` | core | Configure and manage Learning Management System operations including courses, enrollments, compliance training, and learning analytics | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/business/human-resources/skills/lms-admin) |
+| `code-quality-analyzer` | core | Static code analysis, technical debt assessment, engineering velocity metrics | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/business/venture-capital/skills/code-quality-analyzer) |
+| `fraud-risk-assessor` | core | Fraud risk assessment skill based on the fraud triangle with red flag detection | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/business/finance-accounting/skills/fraud-risk-assessor) |
+| `lca-analyzer` | core | Life Cycle Assessment skill for environmental impact evaluation and sustainability analysis | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/science/chemical-engineering/skills/lca-analyzer) |
+| `npv-irr-calculator` | core | Calculate project financial metrics for investment decision making | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/business/project-management/skills/npv-irr-calculator) |
+| `psychometric-assessment` | core | Develop, validate, and adapt measurement instruments including factor analysis, reliability testing, and cross-cultural validation | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/social-sciences-humanities/social-sciences/skills/psychometric-assessment) |
+| `throughput-accountant` | core | TOC financial metrics skill for throughput, inventory, and operating expense analysis with decision support | [source](https://github.com/a5c-ai/babysitter/tree/44a5d58b/library/specializations/domains/business/operations/skills/throughput-accountant) |
+
+## Source: ahacker-1/cre-agent-skills
+
+- Repository: [https://github.com/ahacker-1/cre-agent-skills](https://github.com/ahacker-1/cre-agent-skills) (commit `618734e`, retrieved 2026-07-14)
+- License: Apache-2.0
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `cre-asset-management` | core | CRE Asset Management analysis suite — 9 specialist skills for post-acquisition multifamily operations including annual budgeting, monthly variance analysis, rent collection, renewal decisions, lease-up tracking, capex execution, NOI … | [source](https://github.com/ahacker-1/cre-agent-skills/tree/618734e/claude-code-plugins/cre-asset-management) |
+| `cre-due-diligence` | core | CRE Due Diligence analysis suite — 7 specialist skills for multifamily property analysis including rent roll validation, expense benchmarking, market study, physical inspection, environmental review, title review, and tenant credit … | [source](https://github.com/ahacker-1/cre-agent-skills/tree/618734e/claude-code-plugins/cre-due-diligence) |
+| `cre-office` | core | CRE Office analysis suite - 8 specialist skills for U.S. office acquisitions, refinancings, lease-up, tenant credit, TI/LC underwriting, financing fit, and investment committee memo writing. | [source](https://github.com/ahacker-1/cre-agent-skills/tree/618734e/claude-code-plugins/cre-office) |
+
+## Source: alirezarezvani/claude-code-skill-factory
+
+- Repository: [https://github.com/alirezarezvani/claude-code-skill-factory](https://github.com/alirezarezvani/claude-code-skill-factory) (commit `ba18b31`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `tech-stack-evaluator` | core | Comprehensive technology stack evaluation and comparison tool with TCO analysis, security assessment, and intelligent recommendations for engineering teams | [source](https://github.com/alirezarezvani/claude-code-skill-factory/tree/ba18b31/generated-skills/tech-stack-evaluator) |
+
+## Source: alirezarezvani/claude-skills
+
+- Repository: [https://github.com/alirezarezvani/claude-skills](https://github.com/alirezarezvani/claude-skills) (commit `0241f43`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `risk-management-specialist` | core | Medical device risk management specialist implementing ISO 14971 throughout product lifecycle. Provides risk analysis, risk evaluation, risk control, and post-production information analysis. Use when user mentions risk management, ISO … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/ra-qm-team/skills/risk-management-specialist) |
+| `capa-officer` | core | CAPA system management for medical device QMS. Covers root cause analysis, corrective action planning, effectiveness verification, and CAPA metrics. Use when running CAPA investigations, 5-Why analysis, fishbone diagrams, root cause … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/ra-qm-team/skills/capa-officer) |
+| `financial-analyst` | core | Performs financial ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction for strategic decision-making. Use when analyzing financial statements, building valuation models, assessing budget variances, or … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/finance/skills/financial-analyst) |
+| `senior-pm` | core | Senior Project Manager for enterprise software, SaaS, and digital transformation projects. Specializes in portfolio management, quantitative risk analysis, resource optimization, stakeholder alignment, and executive reporting. Uses … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/project-management/skills/senior-pm) |
+| `ceo-advisor` | core | Executive leadership guidance for strategic decision-making, organizational development, and stakeholder management. Use when planning strategy, preparing board presentations, managing investors, developing organizational culture, making … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/c-level-advisor/skills/ceo-advisor) |
+| `pm-skills` | core | Use when coordinating project-delivery work across the 8 project-management sub-skills — sprint/velocity analytics, portfolio health, Jira/JQL, Confluence, Atlassian admin, templates, meeting analysis, team comms. Triggers on 'our sprints … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/project-management/skills/pm-skills) |
+| `tech-stack-evaluator` | core | Technology stack evaluation and comparison with TCO analysis, security assessment, and ecosystem health scoring. Use when comparing frameworks, evaluating technology stacks, calculating total cost of ownership, assessing migration paths, … | [source](https://github.com/alirezarezvani/claude-skills/tree/0241f43/engineering-team/skills/tech-stack-evaluator) |
+
+## Source: brycewang-stanford/Auto-Empirical-Research-Skills
+
+- Repository: [https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills](https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills) (commit `85bf545`, retrieved 2026-07-14)
+- License: CC-BY-4.0
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `proofread` | core | Proofread the sewage-house-prices manuscript. Checks 6 categories — structure, claims-evidence alignment, identification fidelity, writing quality, grammar, and compilation. Produces a scored report without editing files. This skill should … | [source](https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills/tree/85bf545/skills/41-sticerd-eee-sewage-econometrics-check/skills/proofread) |
+| `academic-baseline` | core | Use when working on any empirical academic research context — paper writing, data analysis, literature review, or any task involving citations, results, or publication artifacts. Establishes non-negotiable principles that govern all other … | [source](https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills/tree/85bf545/skills/60-regisely-superpapers/skills/academic-baseline) |
+| `cost-benefit` | core | Cost-benefit analysis. Produces economic NPV and financial NPV side by side, with BCR, optimism bias (with mitigation), Marginal Excess Tax Burden, real-terms rebasing, WELLBY / QALY / VPF wellbeing valuation, sensitivity, switching … | [source](https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills/tree/85bf545/skills/58-charlescoverdale-econstack/cost-benefit) |
+| `target-journal` | core | Journal targeting analysis for the sewage-house-prices paper. Recommends ranked journal list across 3 tiers with formatting requirements, submission strategy, and desk rejection risk assessment. This skill should be used when asked to … | [source](https://github.com/brycewang-stanford/Auto-Empirical-Research-Skills/tree/85bf545/skills/41-sticerd-eee-sewage-econometrics-check/skills/target-journal) |
+
+## Source: davepoon/buildwithclaude
+
+- Repository: [https://github.com/davepoon/buildwithclaude](https://github.com/davepoon/buildwithclaude) (commit `3c94e0c`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `financial-model` | core | Run deterministic financial models for startup valuation and SaaS health analysis. Triggered by: "/venture-capital-intelligence:financial-model", "run a financial model on X", "DCF this company", "model the financials", "calculate runway", … | [source](https://github.com/davepoon/buildwithclaude/tree/3c94e0c/plugins/venture-capital-intelligence/skills/financial-model) |
+| `docx` | core | Comprehensive document creation, editing, and analysis with support for tracked changes, comments, formatting preservation, and text extraction. When Claude needs to work with professional documents (.docx files) for: (1) Creating new … | [source](https://github.com/davepoon/buildwithclaude/tree/3c94e0c/plugins/all-skills/skills/docx) |
+
+## Source: davila7/claude-code-templates
+
+- Repository: [https://github.com/davila7/claude-code-templates](https://github.com/davila7/claude-code-templates) (commit `fa79251`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `risk-management-specialist` | core | Senior Risk Management specialist for medical device companies implementing ISO 14971 risk management throughout product lifecycle. Provides risk analysis, risk evaluation, risk control, and post-production information analysis. Use for … | [source](https://github.com/davila7/claude-code-templates/tree/fa79251/cli-tool/components/skills/enterprise-communication/risk-management-specialist) |
+| `agent-evaluation` | core | Testing and benchmarking LLM agents including behavioral testing, capability assessment, reliability metrics, and production monitoring—where even top agents achieve less than 50% on real-world benchmarks Use when: agent testing, agent … | [source](https://github.com/davila7/claude-code-templates/tree/fa79251/cli-tool/components/skills/ai-research/agent-evaluation) |
+| `postgresql-optimization` | core | PostgreSQL database optimization workflow for query tuning, indexing strategies, performance analysis, and production database management. | [source](https://github.com/davila7/claude-code-templates/tree/fa79251/cli-tool/components/skills/database/postgresql-optimization) |
+| `Excel Analysis` | core | Analyze Excel spreadsheets, create pivot tables, generate charts, and perform data analysis. Use when analyzing Excel files, spreadsheets, tabular data, or .xlsx files. | [source](https://github.com/davila7/claude-code-templates/tree/fa79251/cli-tool/components/skills/enterprise-communication/excel-analysis) |
+| `agent-memory-mcp` | core | A hybrid memory system that provides persistent, searchable knowledge management for AI agents (Architecture, Patterns, Decisions). | [source](https://github.com/davila7/claude-code-templates/tree/fa79251/cli-tool/components/skills/ai-research/agent-memory-mcp) |
+| `architecture` | core | Architectural decision-making framework. Requirements analysis, trade-off evaluation, ADR documentation. Use when making architecture decisions or analyzing system design. | [source](https://github.com/davila7/claude-code-templates/tree/fa79251/cli-tool/components/skills/development/architecture) |
+
+## Source: foryourhealth111-pixel/Vibe-Skills
+
+- Repository: [https://github.com/foryourhealth111-pixel/Vibe-Skills](https://github.com/foryourhealth111-pixel/Vibe-Skills) (commit `34429a8`, retrieved 2026-07-14)
+- License: Apache-2.0
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `scholar-evaluation` | core | Systematically evaluate scholarly work using the ScholarEval framework, providing structured assessment across research quality dimensions including problem formulation, methodology, analysis, and writing with quantitative scoring and … | [source](https://github.com/foryourhealth111-pixel/Vibe-Skills/tree/34429a8/bundled/skills/scholar-evaluation) |
+
+## Source: huangjia2019/claude-code-engineering
+
+- Repository: [https://github.com/huangjia2019/claude-code-engineering](https://github.com/huangjia2019/claude-code-engineering) (commit `5ed066a`, retrieved 2026-07-14)
+- License: no explicit license — referenced by link only
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `financial-analyzing` | core | Analyze financial data, calculate financial ratios, and generate analysis reports. Use when the user asks about revenue, costs, profits, margins, ROI, financial metrics, or needs financial analysis of a company or project. | [source](https://github.com/huangjia2019/claude-code-engineering/tree/5ed066a/04-Skills/projects/03-financial-skill) |
+
+## Source: hypnguyen1209/offensive-claude
+
+- Repository: [https://github.com/hypnguyen1209/offensive-claude](https://github.com/hypnguyen1209/offensive-claude) (commit `4d62be7`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `crypto-analysis` | core | Use when assessing cryptography — TLS/PKI auditing, RSA/ECC key attacks, ECDSA nonce lattice recovery, symmetric/AEAD misuse, JWT/JOSE forgery, hash cracking, post-quantum migration review | [source](https://github.com/hypnguyen1209/offensive-claude/tree/4d62be7/skills/crypto-analysis) |
+
+## Source: jeremylongshore/claude-code-plugins-plus-skills
+
+- Repository: [https://github.com/jeremylongshore/claude-code-plugins-plus-skills](https://github.com/jeremylongshore/claude-code-plugins-plus-skills) (commit `e112938a`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `fondo-webhooks-events` | core | Implement event-driven financial workflows using webhooks from Fondo-connected services: Stripe payment events, Gusto payroll events, and Plaid transactions. Trigger: "fondo webhooks", "fondo events", "stripe payroll webhooks", "financial … | [source](https://github.com/jeremylongshore/claude-code-plugins-plus-skills/tree/e112938a/plugins/saas-packs/fondo-pack/skills/fondo-webhooks-events) |
+| `assemblyai-core-workflow-a` | core | Execute AssemblyAI primary workflow: async transcription with audio intelligence. Use when transcribing audio/video files, enabling speaker diarization, sentiment analysis, entity detection, PII redaction, or content moderation. Trigger … | [source](https://github.com/jeremylongshore/claude-code-plugins-plus-skills/tree/e112938a/plugins/saas-packs/assemblyai-pack/skills/assemblyai-core-workflow-a) |
+
+## Source: K-Dense-AI/claude-scientific-skills
+
+- Repository: [https://github.com/K-Dense-AI/claude-scientific-skills](https://github.com/K-Dense-AI/claude-scientific-skills) (commit `4d97e29`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `scholar-evaluation` | core | Systematically evaluate scholarly work using the ScholarEval framework, providing structured assessment across research quality dimensions including problem formulation, methodology, analysis, and writing with quantitative scoring and … | [source](https://github.com/K-Dense-AI/claude-scientific-skills/tree/4d97e29/skills/scholar-evaluation) |
+
+## Source: K-Dense-AI/scientific-agent-skills
+
+- Repository: [https://github.com/K-Dense-AI/scientific-agent-skills](https://github.com/K-Dense-AI/scientific-agent-skills) (commit `4d97e29`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `scholar-evaluation` | core | Systematically evaluate scholarly work using the ScholarEval framework, providing structured assessment across research quality dimensions including problem formulation, methodology, analysis, and writing with quantitative scoring and … | [source](https://github.com/K-Dense-AI/scientific-agent-skills/tree/4d97e29/skills/scholar-evaluation) |
+
+## Source: mohitagw15856/pm-claude-skills
+
+- Repository: [https://github.com/mohitagw15856/pm-claude-skills](https://github.com/mohitagw15856/pm-claude-skills) (commit `876fa30`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `product-health-analysis` | core | Interpret product metrics against goals and surface actionable signals. Use when asked to analyse product health, review key metrics, investigate a performance issue, produce a health report, or assess product-market fit signals. Produces … | [source](https://github.com/mohitagw15856/pm-claude-skills/tree/876fa30/plugins/pm-analytics/skills/product-health-analysis) |
+
+## Source: mukul975/Anthropic-Cybersecurity-Skills
+
+- Repository: [https://github.com/mukul975/Anthropic-Cybersecurity-Skills](https://github.com/mukul975/Anthropic-Cybersecurity-Skills) (commit `673da1f`, retrieved 2026-07-14)
+- License: Apache-2.0
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `analyzing-macro-malware-in-office-documents` | core | Analyzes malicious VBA macros embedded in Microsoft Office documents (Word, Excel, PowerPoint) to identify download cradles, payload execution, persistence mechanisms, and anti-analysis techniques. Uses olevba, oledump, and VBA … | [source](https://github.com/mukul975/Anthropic-Cybersecurity-Skills/tree/673da1f/skills/analyzing-macro-malware-in-office-documents) |
+
+## Source: nexscope-ai/eCommerce-Skills
+
+- Repository: [https://github.com/nexscope-ai/eCommerce-Skills](https://github.com/nexscope-ai/eCommerce-Skills) (commit `56f3288`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `supply-chain-optimization-tiktok` | core | Supply Chain Bottleneck Analyzer for TikTok Shop sellers. Diagnose cash flow, inventory turnover, affiliate commissions, and return rates. Includes FBT cost analysis, influencer payout optimization, and viral product lifecycle management. … | [source](https://github.com/nexscope-ai/eCommerce-Skills/tree/56f3288/supply-chain-optimization/supply-chain-optimization-tiktok) |
+| `ecommerce-competitor-analysis` | core | Cross-platform ecommerce competitor analysis and strategic intelligence. Multi-channel presence evaluation, strategy assessment, positioning analysis, and competitive benchmarking. Use when the user asks about competitor analysis, … | [source](https://github.com/nexscope-ai/eCommerce-Skills/tree/56f3288/ecommerce-competitor-analysis) |
+| `etsy-advertising` | core | Etsy Ads strategy — budget allocation, bid management, promoted listings, offsite ads opt-out analysis | [source](https://github.com/nexscope-ai/eCommerce-Skills/tree/56f3288/etsy-advertising) |
+
+## Source: sanjay3290/ai-skills
+
+- Repository: [https://github.com/sanjay3290/ai-skills](https://github.com/sanjay3290/ai-skills) (commit `3619692`, retrieved 2026-07-14)
+- License: Apache-2.0
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `mssql` | core | Execute read-only SQL queries against multiple Microsoft SQL Server databases. Use when: (1) querying MSSQL/SQL Server databases, (2) exploring database schemas/tables, (3) running SELECT queries for data analysis, (4) checking database … | [source](https://github.com/sanjay3290/ai-skills/tree/3619692/skills/mssql) |
+
+## Source: staruhub/ClaudeSkills
+
+- Repository: [https://github.com/staruhub/ClaudeSkills](https://github.com/staruhub/ClaudeSkills) (commit `3d4045d`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `deep-research` | core | Use this skill when the user wants an evidence-based research memo, literature review, market/policy/technical landscape, or a multi-source decision brief with citations, trade-offs, and a clear conclusion. Best for tasks that need … | [source](https://github.com/staruhub/ClaudeSkills/tree/3d4045d/skills/Geek-skills-deep-research) |
+
+## Source: google/skills
+
+- Repository: [https://github.com/google/skills](https://github.com/google/skills) (commit `b15f327`, retrieved 2026-07-14)
+- License: Apache-2.0
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `bigquery-basics` | core | Manages datasets, tables, and jobs in BigQuery. Use when you need to interact with BigQuery, run SQL queries, manage BigQuery resources (datasets, tables, views), or perform basic data ingestion and analysis. | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/bigquery-basics) |
+| `datalineage-bigquery-asset-impact-analysis` | core | Analyzes the downstream impact (blast radius) when a BigQuery table or view is broken, stale, or modified. Identifies all downstream tables, dashboards, and processes that will be affected. Use when: - Performing a blast radius or impact … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/datalineage-bigquery-asset-impact-analysis) |
+| `agent-platform-alert-configuration` | adjacent | Configures best-practice alerting policies for Google Cloud Vertex AI / Agent Platform agents on Agent Runtime. Use when analyzing, writing, or deploying alerting policies to monitor agent latency, error rates, and quality metrics … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/agent-platform-alert-configuration) |
+| `agent-platform-eval-flywheel` | adjacent | Measures and improves the quality of AI models and agents on Google Cloud using the Eval Quality Flywheel methodology. Use when evaluating an agent or model, building an eval dataset, picking or writing evaluation metrics, analyzing … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/agent-platform-eval-flywheel) |
+| `bigtable-basics` | adjacent | Assists in provisioning instances/tables, designing performant schemas, and querying data in Bigtable. Use when designing Bigtable row keys, configuring column families, writing SQL queries or client library code (Java, Go, Python) for … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/bigtable-basics) |
+| `gke-observability` | adjacent | Configures GKE observability, including Cloud Logging, Cloud Monitoring, and managed Prometheus. Use when configuring GKE monitoring, setting up GKE logging, or configuring Prometheus metrics collection. Don't use to configure local … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/gke-observability) |
+| `google-analytics-admin-api-basics` | adjacent | Manages Google Analytics account and property settings, enables the Analytics Admin API via the Cloud CLI, lists accounts and properties, and manages data streams, custom dimensions, conversion events, and integrations. Use when you need … | [source](https://github.com/google/skills/tree/b15f327/skills/analytics/google-analytics-admin-api-basics) |
+| `google-cloud-networking-observability` | adjacent | Investigates Google Cloud networking issues by analyzing logs, metrics, and diagnostics. Use when investigating VPC Flow Logs (including cost estimation), NAT, firewall, or threat logs, querying latency and throughput metrics, or running … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/google-cloud-networking-observability) |
+| `alloydb-basics` | adjacent | Manages clusters, instances, and backups for AlloyDB for PostgreSQL, and integrates with AlloyDB model context protocol (MCP) tools for automated database operations. | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/alloydb-basics) |
+| `bigquery-ai-ml` | adjacent | Leverages BigQuery's built-in machine learning and GenAI capabilities for advanced data analytics. Use when you need to write SQL queries that perform time-series forecasting, detect outliers, find key drivers, or leverage generative AI … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/bigquery-ai-ml) |
+| `cloud-sql-basics` | adjacent | This file generates or explains Cloud SQL resources. Use this file when the user asks to create a Cloud SQL instance or database for MySQL, PostgreSQL, or SQL Server. Cloud SQL manages third-party MySQL, PostgreSQL, and SQL Server … | [source](https://github.com/google/skills/tree/b15f327/skills/cloud/cloud-sql-basics) |
+| `google-analytics-data-api-basics` | adjacent | Manages Google Analytics reporting data, enables the Analytics Data API via the Cloud CLI, and creates reports using the Google Analytics Data API (v1beta). Use when you need to interact with Google Analytics properties, run customized … | [source](https://github.com/google/skills/tree/b15f327/skills/analytics/google-analytics-data-api-basics) |
+
+## Source: NVIDIA/skills
+
+- Repository: [https://github.com/NVIDIA/skills](https://github.com/NVIDIA/skills) (commit `153b14b`, retrieved 2026-07-14)
+- License: CC-BY-4.0 (skills/docs), Apache-2.0 (code)
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `tao-train-reid` | core | Person re-identification (ReID). Learns discriminative embeddings to match the same person across different camera views, based on metric learning. Use when training, evaluating, exporting, or running inference for a TAO person … | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/tao-train-reid) |
+| `vss-generate-video-report` | core | Use this skill when producing a VSS analysis report — Mode A per-clip VLM, Mode B incident-range via video-analytics. Not for standalone video summarization, real-time alerts or ad-hoc Q&A. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/vss-generate-video-report) |
+| `tao-train-depth-anything-v2` | adjacent | Monocular depth estimation using Metric Depth Anything v2 or Relative Depth Anything architectures. Predicts per-pixel depth from single RGB images. Use when training, evaluating, exporting, or running inference for a TAO monocular depth … | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/tao-train-depth-anything-v2) |
+| `tao-train-metric-learning-recognition` | adjacent | Metric-learning recognition (ml-recog) for fine-grained visual recognition. Learns embeddings for retrieval-based matching (e.g., retail product recognition) using triplet / contrastive losses. Use when training, evaluating, exporting, or … | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/tao-train-metric-learning-recognition) |
+| `vss-manage-alerts` | adjacent | Use for VSS alert workflows — real-time monitoring, Alert-Bridge subscriptions, Slack notifications, incident queries, camera onboarding. Not for non-alert analytics. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/vss-manage-alerts) |
+| `deepstream-dev` | adjacent | NVIDIA DeepStream SDK 9.0 development with Python pyservicemaker API. Use when building video analytics pipelines, GStreamer-based video processing, TensorRT inference integration, object detection/tracking, or Kafka/message broker … | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/deepstream-dev) |
+| `nemo-evaluator-plugin` | adjacent | Use when working on the Evaluator plugin CLI, jobs, SDK-backed specs, metric types, or plugin-owned Evaluator skills. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/nemo-evaluator-plugin) |
+| `nv-reason-cxr` | adjacent | Used for command-shape or live NV-Reason-CXR chest X-ray reasoning smoke tests. Not for diagnosis or clinical reporting. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/nv-reason-cxr) |
+| `vss-generate-video-calibration` | adjacent | Use to run AutoMagicCalib on local MP4s, RTSP, or the bundled sample dataset, and to deploy vss-auto-calibration when needed. Do not use for non-AMC calibration or runtime analytics. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/vss-generate-video-calibration) |
+| `vss-query-analytics` | adjacent | Use this skill when reading video-analytics metrics, incidents, alerts, and sensor data via the VA-MCP server (port 9901). Not for live VLM or incident-range narrative reports. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/vss-query-analytics) |
+| `vss-setup-behavior-analytics` | adjacent | Use to deploy the vss-behavior-analytics service standalone (entrypoint, config-source, optional calibration). Not for the full warehouse deploy. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/vss-setup-behavior-analytics) |
+| `vss-setup-video-analytics-api` | adjacent | Use to deploy the vss-video-analytics-api REST service standalone (config-source, data-log bind, Elasticsearch, optional Kafka). Not for full warehouse deploy. | [source](https://github.com/NVIDIA/skills/tree/153b14b/skills/vss-setup-video-analytics-api) |
+
+## Source: phuryn/pm-skills
+
+- Repository: [https://github.com/phuryn/pm-skills](https://github.com/phuryn/pm-skills) (commit `18468a9`, retrieved 2026-07-14)
+- License: MIT
+
+| Skill | Tier | What it adds | Upstream |
+|---|---|---|---|
+| `ab-test-analysis` | core | Analyze A/B test results with statistical significance, sample size validation, confidence intervals, and ship/extend/stop recommendations. Use when evaluating experiment results, checking if a test reached significance, interpreting split … | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-data-analytics/skills/ab-test-analysis) |
+| `cohort-analysis` | core | Perform cohort analysis on user engagement data — retention curves, feature adoption trends, and segment-level insights. Use when analyzing user retention by cohort, studying feature adoption over time, investigating churn patterns, or … | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-data-analytics/skills/cohort-analysis) |
+| `metrics-dashboard` | adjacent | Define and design a product metrics dashboard with key metrics, data sources, visualization types, and alert thresholds. Use when creating a metrics dashboard, defining KPIs, setting up product analytics, or building a data monitoring plan. | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-product-discovery/skills/metrics-dashboard) |
+| `gtm-strategy` | adjacent | Create a go-to-market strategy covering marketing channels, messaging, success metrics, and launch timeline. Use when planning a product launch, creating a GTM plan from scratch, or defining a launch strategy for a new market. | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-go-to-market/skills/gtm-strategy) |
+| `lean-canvas` | adjacent | Generate a Lean Canvas with problem, solution, metrics, cost structure, UVP, unfair advantage, channels, segments, and revenue. Use when exploring a lean startup canvas, testing a business hypothesis, or modeling a new venture. | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-product-strategy/skills/lean-canvas) |
+| `north-star-metric` | adjacent | Define a North Star Metric and 3-5 supporting input metrics that form a metrics constellation. Classify the business game (Attention, Transaction, Productivity) and validate against 7 criteria for an effective North Star. Use when choosing … | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-marketing-growth/skills/north-star-metric) |
+| `product-strategy` | adjacent | Create a comprehensive product strategy using the 9-section Product Strategy Canvas — vision, segments, costs, value propositions, trade-offs, metrics, growth, capabilities, and defensibility. Use when building a product strategy, creating … | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-product-strategy/skills/product-strategy) |
+| `sql-queries` | adjacent | Generate SQL queries from natural language descriptions. Supports BigQuery, PostgreSQL, MySQL, and other dialects. Reads database schemas from uploaded diagrams or documentation. Use when writing SQL, building data reports, exploring … | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-data-analytics/skills/sql-queries) |
+| `dummy-dataset` | adjacent | Generate realistic dummy datasets for testing with customizable columns, constraints, and output formats (CSV, JSON, SQL, Python script). Use when creating test data, building mock datasets, or generating sample data for development and … | [source](https://github.com/phuryn/pm-skills/tree/18468a9/pm-execution/skills/dummy-dataset) |
--- a/references/market.md
+++ b/references/market.md
@@ -0,0 +1,158 @@
+# Market evidence report — insurance-claims-handler
+
+Source: **66 real job ads** (JSearch API, countries: us 66), extracted into the MSSQL evidence store; as of 2026-07-14.
+This report contains extracted, aggregated facts only — no ad text is
+reproduced (copyright / platform terms).
+
+## Seniority distribution
+
+| Seniority | Ads | Share |
+|---|---|---|
+| mid | 31 | 47 % |
+| n/a | 29 | 44 % |
+| senior | 5 | 8 % |
+| junior | 1 | 2 % |
+
+## Tools — full market ranking
+
+| # | Item | Ads | Share |
+|---|---|---|---|
+| 1 | Xactimate | 14 | 21 % |
+| 2 | Microsoft Word | 3 | 5 % |
+
+## Hard skills — full market ranking
+
+| # | Item | Ads | Share |
+|---|---|---|---|
+| 1 | claims adjusting | 21 | 32 % |
+| 2 | claims investigation | 17 | 26 % |
+| 3 | disaster recovery | 15 | 23 % |
+| 4 | damage estimation | 12 | 18 % |
+| 5 | damage assessment | 11 | 17 % |
+| 6 | insurance claims adjusting | 11 | 17 % |
+| 7 | subrogation | 11 | 17 % |
+| 8 | property inspection | 10 | 15 % |
+| 9 | claims writing | 8 | 12 % |
+| 10 | liability determination | 8 | 12 % |
+| 11 | fraud identification | 7 | 11 % |
+| 12 | negotiation | 7 | 11 % |
+| 13 | data analysis | 6 | 9 % |
+| 14 | claims handling | 5 | 8 % |
+| 15 | coverage analysis | 4 | 6 % |
+| 16 | insurance policy review | 4 | 6 % |
+| 17 | liability assessment | 4 | 6 % |
+| 18 | litigation management | 4 | 6 % |
+| 19 | problem solving | 4 | 6 % |
+| 20 | reserve setting | 4 | 6 % |
+| 21 | settlement negotiation | 4 | 6 % |
+| 22 | claim investigation | 3 | 5 % |
+| 23 | claim negotiation | 3 | 5 % |
+| 24 | liability investigation | 3 | 5 % |
+| 25 | problem-solving | 3 | 5 % |
+
+## Methods — full market ranking
+
+| # | Item | Ads | Share |
+|---|---|---|---|
+| 1 | hands-on training | 15 | 23 % |
+| 2 | in-person training | 9 | 14 % |
+| 3 | online training | 9 | 14 % |
+| 4 | case management | 8 | 12 % |
+| 5 | real-world training | 8 | 12 % |
+| 6 | mediation | 3 | 5 % |
+| 7 | needs assessment | 3 | 5 % |
+
+## Responsibilities — full market ranking
+
+| # | Item | Ads | Share |
+|---|---|---|---|
+| 1 | claim investigation | 26 | 39 % |
+| 2 | damage assessment | 20 | 30 % |
+| 3 | loss adjustment | 17 | 26 % |
+| 4 | property scoping | 10 | 15 % |
+| 5 | claims workflow understanding | 8 | 12 % |
+| 6 | resume guidance | 8 | 12 % |
+| 7 | claim handling | 7 | 11 % |
+| 8 | negotiation | 7 | 11 % |
+| 9 | investigation | 5 | 8 % |
+| 10 | claim adjustment | 4 | 6 % |
+| 11 | customer needs assessment | 4 | 6 % |
+| 12 | policy interpretation | 4 | 6 % |
+| 13 | claim management | 3 | 5 % |
+| 14 | claim review | 3 | 5 % |
+| 15 | claim settlement | 3 | 5 % |
+| 16 | customer service | 3 | 5 % |
+| 17 | issue resolution | 3 | 5 % |
+| 18 | report preparation | 3 | 5 % |
+| 19 | settlement negotiation | 3 | 5 % |
+
+## Regional breakdown
+
+> **Corpus note:** 66 relevant ads in total — below the 100-ad target for a fully reliable ranking. Percentages above should be read as indicative.
+
+### US (us)
+
+66 ads.
+
+**Top hard skills:**
+
+- claims adjusting — 32 % (21 ads)
+- claims investigation — 26 % (17 ads)
+- disaster recovery — 23 % (15 ads)
+- damage estimation — 18 % (12 ads)
+- damage assessment — 17 % (11 ads)
+- insurance claims adjusting — 17 % (11 ads)
+- subrogation — 17 % (11 ads)
+- property inspection — 15 % (10 ads)
+- claims writing — 12 % (8 ads)
+- liability determination — 12 % (8 ads)
+
+**Top tools:**
+
+- Xactimate — 21 % (14 ads)
+- Microsoft Word — 5 % (3 ads)
+- Microsoft Office — 3 % (2 ads)
+- MS Office Suite — 3 % (2 ads)
+
+**Seniority:** mid 47 % · n/a 44 % · senior 8 % · junior 2 %
+
+### UK (gb)
+
+**Insufficient evidence** — 0 ads (minimum for a regional ranking: 30). No ranking is reported for this region.
+
+### EU/DACH (de, at, ch, nl)
+
+**Insufficient evidence** — 0 ads (minimum for a regional ranking: 30). No ranking is reported for this region.
+
+
+## Job title variants in the market
+
+| Title | Ads |
+|---|---|
+| Auto Adjuster (MMR Claims) | 4 |
+| Bodily Injury Adjuster (Extended Handler) | 2 |
+| Independent Insurance Claims Adjuster , Pennsylvania | 2 |
+| Auto Bodily Injury Claims Adjuster - Richmond, VA | 1 |
+| Auto Claims Adjuster | 1 |
+| Auto Damage Adjuster | 1 |
+| Casualty Claim Examiner | 1 |
+| Claims Adjuster | 1 |
+| Claims Adjuster - Workers Compensation | Jurisdiction: MI, TX, IN, IL, OH | Licensing: Required - Remote | 1 |
+| Claims Adjuster I - Remote / Telecommute | 1 |
+| Claims Adjuster I (Remote) | 1 |
+| Claims Adjuster II, Field Property - National Catastrophe | 1 |
+| Claims Handler - Auto Bodily Injury Insurance - Fredericksburg, VA | 1 |
+| Claims Handler, Tech E&O and Media Liability | 1 |
+| Claims Handler/Estimator | 1 |
+| Commercial Claims Adjuster - Remote | 1 |
+| Extended Handler - Bodily Injury | 1 |
+| Field Property Claims Adjuster | 1 |
+| Field Property Claims Adjuster - Baltimore | 50% Travel | 1 |
+| Healthcare Claims Adjuster | 1 |
+| Independent Insurance Claims Adjuster in Arlington, Virginia | 1 |
+| Independent Insurance Claims Adjuster in Capitol Heights, Maryland | 1 |
+| Independent Insurance Claims Adjuster in Chesterfield, Virginia | 1 |
+| Independent Insurance Claims Adjuster in Conshohocken, Pennsylvania | 1 |
+| Independent Insurance Claims Adjuster in Denver, Pennsylvania | 1 |
+
+Methodology: entities extracted per ad ({hard_skills, tools, methods, responsibilities, seniority}), normalized, counted as DISTINCT ads per entity; report threshold ≥ 3 ads. Headline sections in skills.md/tools.md use the stricter ≥ 20 % threshold.
--- a/references/profile.md
+++ b/references/profile.md
@@ -0,0 +1,38 @@
+# Occupation profile — insurance claims handler
+
+- **ESCO URI:** http://data.europa.eu/esco/occupation/01a83071-6533-4675-b2da-f0c6d02669f5
+- **ESCO code:** 3315.3
+- **ISCO-08 group:** 3315 — Valuers and loss assessors
+- **O*NET-SOC:** 13-1031.00 — Claims Adjusters, Examiners, and Investigators (match: closeMatch)
+
+## Description (ESCO)
+
+Insurance claims handlers ensure that all insurance claims are handled accurately and that payment for valid claims is made to the policyholders. They use statistical data and reporting to calculate and adjust claims as needed, communicate with and guide policyholders and monitor the progress of a claim.
+
+## Definition
+
+nan
+
+## Alternative labels
+
+- claims adjuster
+- travelling insurance assessor
+- claims examiner
+- insurance claims analyst
+- civil damages inspector
+- claims inspector
+- insurance claims inspector
+- claims representative
+- insurance claims assessor
+- claims consultant
+- claims analyst
+- claims service supervisor
+- casualty insurance adjuster
+- claims handler
+- property and casualty insurance claims examiner
+- insurance claims consultant
+- claims processor
+- contract claims examiner
+- insurance claims processor
+- insurance claims examiner
+- insurance claims officer
--- a/references/skills.md
+++ b/references/skills.md
@@ -0,0 +1,65 @@
+# Competences — insurance claims handler
+
+Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/01a83071-6533-4675-b2da-f0c6d02669f5).
+
+## Essential
+
+- **actuarial science** (knowledge)
+- **analyse claim files** (skill/competence)
+- **apply technical communication skills** (skill/competence)
+- **calculate compensation payments** (skill/competence)
+- **claims procedures** (knowledge)
+- **classify insurance claims** (skill/competence)
+- **communicate with beneficiaries** (skill/competence)
+- **fraud detection** (knowledge)
+- **handle incoming insurance claims** (skill/competence)
+- **insurance law** (knowledge)
+- **interview insurance claimants** (skill/competence)
+- **maintain records of financial transactions** (skill/competence)
+- **manage claim files** (skill/competence)
+- **organise a damage assessment** (skill/competence)
+- **principles of insurance** (knowledge)
+- **provide financial product information** (skill/competence)
+- **review insurance process** (skill/competence)
+- **synthesise financial information** (skill/competence)
+- **types of insurance** (knowledge)
+
+## Optional
+
+- analyse financial risk (skill/competence)
+- apply statistical analysis techniques (skill/competence)
+- assess coverage possibilities (skill/competence)
+- decide on insurance applications (skill/competence)
+- ensure cross-department cooperation (skill/competence)
+- estimate damage (skill/competence)
+- handle customer complaints (skill/competence)
+- handle financial disputes (skill/competence)
+- handle financial transactions (skill/competence)
+- insurance market (knowledge)
+- manage claims process (skill/competence)
+- statistics (knowledge)
+- trace financial transactions (skill/competence)
+
+<!-- market-evidence -->
+
+## Market evidence (job-ad analysis, 66 ads, as of 2026-07-14)
+
+Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.
+
+### Hard skills
+
+- claims adjusting — **32 %**
+- claims investigation — **26 %**
+- disaster recovery — **23 %**
+
+### Methods
+
+- hands-on training — **23 %**
+
+### Responsibilities
+
+- claim investigation — **39 %**
+- damage assessment — **30 %**
+- loss adjustment — **26 %**
+
+<!-- market-evidence -->
--- a/references/tasks.md
+++ b/references/tasks.md
@@ -0,0 +1,64 @@
+# Tasks & work activities — insurance claims handler
+
+Source: O*NET 30.3, occupation 13-1031.00 (Claims Adjusters, Examiners, and Investigators).
+
+## Task statements
+
+- **[Core]** Examine claims forms and other records to determine insurance coverage.
+- **[Core]** Analyze information gathered by investigation and report findings and recommendations.
+- **[Core]** Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
+- **[Core]** Investigate and assess damage to property and create or review property damage estimates.
+- **[Core]** Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
+- **[Core]** Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
+- **[Core]** Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
+- **[Core]** Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
+- **[Core]** Resolve complex, severe exposure claims, using high service oriented file handling.
+- **[Core]** Pay and process claims within designated authority level.
+- **[Core]** Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
+- **[Core]** Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.
+- **[Core]** Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.
+- **[Core]** Refer questionable claims to investigator or claims adjuster for investigation or settlement.
+- **[Core]** Collect evidence to support contested claims in court.
+- **[Core]** Confer with legal counsel on claims requiring litigation.
+- **[Core]** Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
+- **[Core]** Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
+- **[Core]** Present cases and participate in their discussion at claim committee meetings.
+- **[Core]** Report overpayments, underpayments, and other irregularities.
+- **[Core]** Attend mediations or trials.
+- **[Supplemental]** Supervise claims adjusters to ensure that adjusters have followed proper methods.
+- **[Supplemental]** Conduct detailed bill reviews to implement sound litigation management and expense control.
+- **[Supplemental]** Examine titles to property to determine validity and act as company agent in transactions with property owners.
+- **[Supplemental]** Communicate with reinsurance brokers to obtain information necessary for processing claims.
+- **[Supplemental]** Prepare reports to be submitted to company's data processing department.
+- **[Supplemental]** Obtain credit information from banks and other credit services.
+- **[nan]** Communicate with former associates to verify employment record or to obtain background information regarding persons or businesses applying for credit.
+- **[nan]** Negotiate claim settlements or recommend litigation when settlement cannot be negotiated.
+
+## Detailed work activities
+
+- Advise others on financial matters.
+- Advise others on legal or regulatory compliance matters.
+- Apply information technology to solve business or other applied problems.
+- Appraise property values.
+- Calculate data to inform organizational operations.
+- Collect evidence for legal proceedings.
+- Confer with others about financial matters.
+- Estimate costs of goods or services.
+- Examine financial records.
+- Gather financial records.
+- Implement financial decisions.
+- Interview witnesses, suspects, or claimants.
+- Investigate legal issues.
+- Maintain data in information systems or databases.
+- Meet with individuals involved in legal processes to provide information and clarify issues.
+- Negotiate agreements to resolve disputes.
+- Pay charges, fees, or taxes.
+- Prepare financial documents.
+- Prepare legal or investigatory documentation.
+- Prepare operational reports.
+- Present business-related information to audiences.
+- Report information to managers or other personnel.
+- Resolve customer complaints or problems.
+- Supervise employees.
+- Verify accuracy of records.
+- Verify application data to determine program eligibility.
--- a/references/tools.md
+++ b/references/tools.md
@@ -0,0 +1,91 @@
+# Tools & technology — insurance claims handler
+
+Source: O*NET 30.3 'Software Skills' for 13-1031.00.
+
+| Software | Category | Hot technology |
+|---|---|---|
+| Microsoft Access | Data base user interface and query software | yes |
+| Microsoft Outlook | Electronic mail software | yes |
+| Apple Safari | Internet browser software | yes |
+| Mozilla Firefox | Internet browser software | yes |
+| Microsoft Office software | Office suite software | yes |
+| Microsoft PowerPoint | Presentation software | yes |
+| Microsoft Excel | Spreadsheet software | yes |
+| Zoom | Video conferencing software | yes |
+| Microsoft Word | Word processing software | yes |
+| CCC EZNet electronic communications network | Access software |  |
+| CSC Automated Work Distributor AWD | Access software |  |
+| Injury Sciences EDR InSight | Analytical or scientific software |  |
+| Insurance claims fraud detection software | Analytical or scientific software |  |
+| Magnify Predictive Targeting System | Analytical or scientific software |  |
+| Bill review software | Billing and invoicing software |  |
+| 4n6xprt Systems StiffCalcs | Computer aided design CAD software |  |
+| ARSoftware WinSMAC | Computer aided design CAD software |  |
+| CAD Zone Insurance | Computer aided design CAD software |  |
+| MapScenes Evidence Recorder | Computer aided design CAD software |  |
+| MapScenes Pro | Computer aided design CAD software |  |
+| PhotoModeler | Computer aided design CAD software |  |
+| Visual Statement Investigator Suite | Computer aided design CAD software |  |
+| Corporate Systems ClaimsPro | Data base reporting software |  |
+| Claims processing administration and management software | Data base user interface and query software |  |
+| Fair Isaac Claims Advisor | Data base user interface and query software |  |
+| Tropics Claims Reserve Management | Data base user interface and query software |  |
+| Xactware Xactimate | Data base user interface and query software |  |
+| Microsoft Publisher | Desktop publishing software |  |
+| Agency Management Systems AMS 360 | Document management software |  |
+| AutoClaims Direct DirectLink | Document management software |  |
+| Automatic Data Processing Autosource | Document management software |  |
+| Automatic Data Processing Claims Manager & Dispatch | Document management software |  |
+| BCCORP Burkitt W5 | Document management software |  |
+| BCCORP W5 for Adjusters | Document management software |  |
+| Bramerhill ClaimsTech | Document management software |  |
+| Bridium Claims 3 | Document management software |  |
+| Brightwork Alyce Claims Systems | Document management software |  |
+| Captiva InputAccel | Document management software |  |
+| Castek Insure3 Claims | Document management software |  |
+| CCC Pathways Image Management Solution | Document management software |  |
+| CCC TL2000 Solution | Document management software |  |
+| CGI INSideOUT | Document management software |  |
+| Clear Technology Tranzax | Document management software |  |
+| Covansys ClaimConnect | Document management software |  |
+| Datanex ClaimTrac | Document management software |  |
+| Document management system software | Document management software |  |
+| Hyland OnBase Enterprise Content Management | Document management software |  |
+| InSystems Calligo Document Management System | Document management software |  |
+| ADP software | Enterprise resource planning ERP software |  |
+| CCC Pathways Appraisal Quality Solution | Enterprise resource planning ERP software |  |
+| Axonwave Fraud and Abuse Management System | Expert system software |  |
+| CCC GuidePost Decision Support | Expert system software |  |
+| CSC Fault Evaluator | Expert system software |  |
+| Fair Isaac SmartAdvisor | Expert system software |  |
+| First Notice Systems ClaimCapture | Expert system software |  |
+| Hummingbird Legal Bill Review | Expert system software |  |
+| IBM Fraud and Abuse Management System | Expert system software |  |
+| ISO ClaimSearch | Expert system software |  |
+| ISO NetMap for Claims | Expert system software |  |
+| LexisNexis RiskWise | Expert system software |  |
+| StrataCare StrataWare eReview | Expert system software |  |
+| Automatic Data Processing Estimating | Financial analysis software |  |
+| CSC Colossus | Financial analysis software |  |
+| Property damage, bodily injury, and liability estimation software | Financial analysis software |  |
+| QwikQuote software | Financial analysis software |  |
+| Simsol for Adjusters | Financial analysis software |  |
+| Turtle Creek Software Goldenseal Architect | Financial analysis software |  |
+| CGI-AMS BureauLink Enterprise | Information retrieval or search software |  |
+| Computerized voice stress analyzer CVSA software | Interactive voice response software |  |
+| Healthcare common procedure coding system HCPCS | Medical software |  |
+| Medical condition coding software | Medical software |  |
+| Medical procedure coding software | Medical software |  |
+| Business software applications | Office suite software |  |
+
+<!-- market-evidence -->
+
+## Market evidence (job-ad analysis, 66 ads, as of 2026-07-14)
+
+Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.
+
+### Tools
+
+- Xactimate — **21 %**
+
+<!-- market-evidence -->