📖 How to read this playbook (and how I read the FigJam)
Each page below is one decision point from the top-level map — one "play." The left pane recreates the FigJam tree exactly as drawn (same branch labels, same terminal boxes); the right pane is the same tree flattened into path → terminal state rows, so every route to an outcome can be checked line by line.
How I read each board: start at the entry decision, walk every arrow to a terminal box, and record the full condition path — then capture the sticky notes separately, because they answer a different question: not "what's the rule?" but "what do we do when the field is MISSING?" (look it up, assume a default, or follow up). Where two arrows overlap and the wiring is genuinely ambiguous, I did not guess — those became the questions at the bottom of the page.
Dashed-underlined terms open a ? glossary dialog — the shared vocabulary (UWing period, Knox Box, KYC, P(F), RCE…) captured while reading. Each page also notes where an agent helps: the exact spots a decision would stall on vague or missing info, and whether the unstick is a lookup, a derivation, the board's own assume-and-verify default, or one scoped question.
Trusts & LLCs
Entity-owned homes bind first, verify after: a questionnaire on a 30-day clock screens the entity for business exposures.
This play runs AFTER binding — the purest example of the playbook's quote-now-verify-later posture. The questionnaire's six screens all ask one thing: is this entity a passive title-holder (fine) or an operating business (not a homeowners risk)? The clean-exit terminal is really a coverage-structuring instruction: entity policy covers the structure, occupants insure their own contents.
| Path | Terminal state |
|---|---|
| Trust/LLC-owned home → questionnaire sent, due within 30 days of bind — not received | CANCELCancel within the UWing period |
| Received → screen finds unacceptable exposures (income · sales · employees beyond household staff · commercial property · aviation · watercraft) | CANCELCancel within the UWing period |
| Received → no unacceptable exposures | REQUIREStructure the coverage: only entity-owned assets covered (usually Cov A + B); occupants carry their own THO policy; exclude Cov C; Premises Liability Only |
- The 30-day clock is a scheduling job, not a judgment: an agent sends the questionnaire at bind, chases it, and escalates to the underwriter only when the deadline is at risk.
- The six exposure screens are extractable from a returned questionnaire — the underwriter should see a pre-screened verdict with the flagged answers highlighted, not the raw form.
- Is the Trust & LLC questionnaire a standard form I could see — and is the exposure list on the board exhaustive?