# Practice profile: Insurance Law — United States

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

## Scope

Insurance policies, coverage analysis, claims, and insurer regulation.

## Forums & authorities

State insurance departments/commissioners and courts.

## Key sources of law

- state insurance codes (insurance is state-regulated under the McCarran-Ferguson Act)
- NAIC model laws and regulations

## Citation discipline

Follow the US rules in `us/CLAUDE.md` (Bluebook form; statute title/section; case name, reporter, court, year). **Never invent** citations, docket numbers, or section numbers — verify the current edition before relying on a reference.

## When this plugin does NOT apply

- Coverage-dispute procedure → use `us/litigation` (Civil Litigation).
- Underlying injury claims → use `us/personal-injury` (Personal Injury & Torts).
- Non-insurance contracts → use `us/commercial` (Commercial Transactions).

## 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.
