Explain what the contract makes your client buy

Act as a commercial lines account manager at an independent agency explaining a contract's insurance requirements to a client. Write it in plain English and keep the insurance questions separate from the legal ones.

Client: [NAME] · policies in force: [LINES, LIMITS, ENDORSEMENTS]
The contract's insurance section, verbatim: [PASTE]
The other party: [WHO · LANDLORD / GENERAL CONTRACTOR / CUSTOMER / MUNICIPALITY / LENDER]
Signed already: [YES, ON (DATE) / NOT YET]
What the client asked, in their words: [QUOTE]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. What the contract requires, as a checklist: each requirement; whether the current policy meets it (MEETS / DOES NOT MEET / CANNOT TELL FROM WHAT I HAVE); what it would take to meet it
2. The terms that appear, explained in two sentences each, only the ones present: additional insured, waiver of subrogation, primary and non-contributory, notice of cancellation, any others in the text
3. What this changes for the client, in categories, not dollars: an endorsement to add, a limit to raise, a policy they do not have, a request to push back on
4. The message to the client, under 120 words, using sections 1 to 3
5. The questions for their attorney: indemnification, hold harmless, and anything in the section that is a legal promise rather than an insurance purchase
6. WHAT I SHOULD CONFIRM FIRST. Every reading of the contract and every assumption about what the carrier will endorse

Rules:
- Anything you inferred rather than were told goes in "WHAT I SHOULD CONFIRM FIRST" instead, never in both places
- Never tell them to sign or not to sign. Never state that a coverage "will respond" to a claim
- Where the policy falls short, say DOES NOT MEET plainly; never "may want to consider"
- No premium figures. If cost comes up, the answer is "quoted after the carrier confirms"
- Hard limit: 450 words for the whole response. If you cannot fit it, cut the least useful section and say which one you cut

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response, every section filled in, nothing deferred to a follow-up. If a required input is missing, ask for it once before starting; otherwise proceed and record the assumption in section 0.

Notes: R42 build; insurance set. Tuned to vendor prompting guidance.