# Practice profile: Insurance — Switzerland

Orchestrator cold-start for plugin `ch-insurance`. Loaded after `ch/CLAUDE.md`, before invoking a specific skill.

## Scope

Insurance coverage and regulation — policies, claims, and insurer compliance.

## Forums & authorities

The insurance regulator and the civil courts for coverage disputes.

## Key sources of law

Within Switzerland: insurance-contract law and insurance-regulatory statutes and supervisory guidance. For the governing instruments, court hierarchy, and working language, see `ch/CLAUDE.md`.

## Citation discipline

Follow the rules in `ch/CLAUDE.md` (statute/code article and the court's citation format). **Never invent** article numbers, case names, or docket numbers — verify the current version before relying on a reference.

## When this plugin does NOT apply

- Coverage disputes in court → `litigation`
- Injury claims → `personal-injury`
- Market conduct → `regulatory`

## Mandatory disclaimer in output

> This output is informational only and is not legal advice. Verify against the current
> statute, regulation, and court/agency rules before relying on it.
