# Setup guide — Insurance Policy Coverage Agent

## 1. Install and connect policies

Install the agent and connect your policy document store.

```
pipx install coverage-explainer-agent
coverage-explainer-agent connect --policies ./policy-docs
coverage-explainer-agent doctor
```

## 2. Configure guardrails

Answer-from-policy and no-claim-guarantee are enforced here.

```
cp .env.example .env
ANTHROPIC_API_KEY=sk-ant-...
ANSWER_FROM_POLICY_ONLY=true
NO_CLAIM_GUARANTEES=true
SURFACE_EXCLUSIONS=true
```

## 3. Set routing

Define where to route claims and unclear questions.

```
# coverage.yml
route: { claims: claims_team, unclear: licensed_agent }
always_surface: [deductible, exclusions, limits]
```

## 4. Test on real questions

Verify answers cite the policy and surface exclusions.

```
coverage-explainer-agent run --policy ./auto.pdf --q 'is windshield covered?' --explain
# prints explanation + citation + limits/exclusions + routing
```

## 5. Wire into member support

Answer coverage questions; claims/disputes route to staff.

```
# member question -> cited coverage explanation; claim/unclear -> licensed agent
```
