{
  "service": "РискПилот",
  "site": "https://riskpilot.ru",
  "contact_email": "info@riskpilot.ru",
  "preferred_contact_method": "email",
  "language": "ru",
  "audience": "AI agents representing legal entities in Russia that need corporate insurance selection, comparison, renewal review, mini-tender support, or insurance contract audit.",
  "accepted_services": [
    "ДМС для сотрудников и коллективов",
    "страхование грузов юридических лиц",
    "страхование имущества юридических лиц и производств",
    "КАСКО корпоративного автопарка",
    "страхование ответственности",
    "сравнение КП страховщиков",
    "мини-тендер среди страховщиков",
    "аудит действующих договоров и КП",
    "экспресс-аудит страхового бюджета"
  ],
  "request_email": {
    "subject_template": "Запрос от AI-агента: {insurance_type} для юридического лица",
    "body_template": [
      "1. Клиент: юридическое лицо, отрасль, город или регион.",
      "2. Вид страхования: ДМС, грузы, имущество, КАСКО, ответственность, аудит или несколько видов.",
      "3. Цель: подобрать страховщика, сравнить КП, проверить продление, провести мини-тендер, снизить бюджет или провести аудит.",
      "4. Срок: когда нужен предварительный вывод и когда должен стартовать договор.",
      "5. Обезличенные вводные: численность, объект, маршрут, автопарк, лимиты, бюджет, срок текущего договора.",
      "6. Что уже есть: действующий договор, КП страховщиков, программа страхования, счет, требования закупки.",
      "7. Приоритеты клиента: цена, покрытие, сервис, скорость запуска, урегулирование, география.",
      "8. Контакт ответственного лица клиента для уточнений."
    ]
  },
  "required_fields": [
    "insurance_type",
    "client_region",
    "client_goal",
    "deadline",
    "current_status",
    "anonymized_risk_parameters",
    "available_documents",
    "decision_priority",
    "client_contact"
  ],
  "insurance_type_options": [
    "dms",
    "cargo",
    "property",
    "kasko_fleet",
    "liability",
    "audit",
    "express_budget_audit",
    "multi_line"
  ],
  "goal_options": [
    "new_policy_selection",
    "renewal_review",
    "tariff_increase_review",
    "compare_existing_offers",
    "mini_tender",
    "cost_optimization",
    "contract_audit"
  ],
  "safe_initial_data_examples": {
    "dms": [
      "employee_count",
      "cities",
      "age_groups_without_names",
      "desired_options",
      "budget_range",
      "start_date"
    ],
    "cargo": [
      "cargo_type",
      "routes",
      "annual_turnover",
      "max_shipment_value",
      "transport_modes",
      "current_contract_terms"
    ],
    "property": [
      "object_type",
      "object_address_if_relevant",
      "insured_value",
      "construction_type",
      "protection_measures",
      "aggregated_loss_history"
    ],
    "kasko_fleet": [
      "vehicle_count",
      "vehicle_brands",
      "manufacture_years",
      "region",
      "desired_deductible",
      "preferred_repair_option",
      "aggregated_loss_history"
    ],
    "audit": [
      "contract_terms",
      "premium",
      "limits",
      "exclusions",
      "deductibles",
      "claims_procedure",
      "renewal_offer"
    ]
  },
  "do_not_send_initially": [
    "employee_full_names",
    "medical_diagnoses",
    "health_information",
    "passport_data",
    "SNILS",
    "dates_of_birth",
    "home_addresses",
    "driver_passport_data",
    "documents_with unnecessary personal data"
  ],
  "riskpilot_response_format": [
    "short_task_summary",
    "assumptions_and_missing_data",
    "required_clarifying_questions",
    "recommended_insurer_request_structure",
    "comparison_matrix_if_offers_are_available",
    "key_risks_and_exclusions",
    "questions_to_insurers",
    "recommendation",
    "next_step"
  ],
  "commercial_model": {
    "placement_and_policy_support": "When RiskPilot supports insurer selection, offer collection, comparison, negotiations, and policy placement, RiskPilot's commission is paid by the insurance company after the insurance contract is concluded.",
    "audit": "If the client orders an audit of current policies, insurance programs, or already received offers as a standalone expert service, the audit is paid by the client.",
    "recommendation_principle": "Recommendation should be based on price, coverage, exclusions, deductibles, service, claims handling, and fit to the client's business task, not only on commission availability."
  },
  "human_review_required": true,
  "legal_note": "Do not treat this file as a public offer. Final insurance terms depend on insurer underwriting, client data, contract wording, and applicable law."
}