> ## Documentation Index
> Fetch the complete documentation index at: https://docs.getcara.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Risk Report

> Generate a professional, client-ready risk management report that positions your agency as a strategic advisor — not just a policy provider.

### How it works

<Frame caption="Risk Report">
  <img src="https://mintcdn.com/oystertechnologiesinc/PY1gFhJpMuuYvPFQ/images/Screenshot2026-03-06at12.15.19PM.png?fit=max&auto=format&n=PY1gFhJpMuuYvPFQ&q=85&s=ad2d268046c8c2ffdd12dcf779528d5b" alt="Screenshot2026 03 06at12 15 19PM" title="Screenshot2026 03 06at12 15 19PM" className="mx-auto" style={{ width:"50%" }} width="642" height="442" data-path="images/Screenshot2026-03-06at12.15.19PM.png" />
</Frame>

Risk Report produces a polished, client-facing risk management report written for the business owner or risk manager. It covers the client's industry risk landscape, regulatory requirements, business-specific risk profile, and concrete risk mitigation recommendations — the kind of document that deepens a client relationship and demonstrates value well beyond placing policies.

The tone is deliberately advisory and forward-looking. Every recommendation is framed around the agency's ongoing role as a trusted risk management partner.

<Steps>
  <Step title="Select a use case">
    Choose the use case that fits what you need:

    * **Generate Risk Report** — The full report: industry risk landscape, regulatory and compliance requirements, a business profile based on public records research, risk mitigation recommendations, and emerging risks and trends.
    * **Review Industry Trends** — A focused, forward-looking report covering industry trends, regulatory changes, and emerging risks only. No company profile research is conducted. Useful when you want to send something timely and relevant without doing a full client review.
    * **Identify Risk Mitigations** — Emphasizes the risk mitigation section. Best used when a client has asked for a risk management review and you want the output oriented around concrete next steps they can take.
  </Step>

  <Step title="Upload documents or describe the client">
    Optionally upload documents that describe the client — policies, applications, or dec pages. If you don't have documents, simply describe the client in the notes field: their business name, type, state, and industry is enough for Cara to produce a complete report.

    <Tip>
      You don't need policy documents to run this preset. Risk Report is designed to work from public research alone — making it useful even for prospects you haven't yet written.
    </Tip>
  </Step>

  <Step title="Configure output format">
    **Output as PDF Report** is enabled by default. This produces a polished, print-ready document with a branded cover page, table of contents, formatted tables, risk badges, and callout boxes — ready to send to the client without any reformatting.

    Unchecking this option produces Markdown output directly in the conversation, which is faster but not client-presentable as-is.

    <Note>
      The PDF includes your agency name on the cover page. Make sure your agency profile is up to date in your account settings before generating client-facing reports.
    </Note>
  </Step>

  <Step title="Review the report">
    For the **Full Risk Report**, the output includes:

    * **Executive Summary** — A 2–3 sentence risk posture overview with 4–6 priority-coded bullets and a summary table
    * **Industry Risk Landscape** — The industry's risk environment with a risk area table covering priority, drivers, and trend direction. The most significant finding appears in a callout box.
    * **Regulatory and Compliance Requirements** — Federal, state, and local requirements organized by level, written as "here's what to maintain" rather than as a compliance warning
    * **Business Profile** — Safety and regulatory history, news and public record findings, and business standing — each rated. Clean records are noted as confirming responsible operations.
    * **Risk Mitigation Recommendations** — Up to 10 recommendations organized by risk level (High, Moderate, Best Practices), each with a specific first action the client can take within a week
    * **Emerging Risks and Trends** — What's changing over the next 1–3 years, with the most urgent emerging risk called out and 2–3 actions the client should take now

    <Note>
      If Cara finds an actual OSHA citation, lawsuit, or regulatory enforcement action for the business during research, it will appear as a named High item with specific remediation steps. This section is populated only from verified findings.
    </Note>

    <Tip>
      At least three of the risk mitigation recommendations will include a coverage-related discussion point, framed as "discuss with your agent." These are natural conversation starters for a follow-up meeting.
    </Tip>
  </Step>

  <Step title="Next steps">
    From here, you can:

    * Send the PDF directly to the client as a value-add ahead of renewal
    * Use the mitigation recommendations as an agenda for a risk review meeting
    * Follow up with **Coverage Gap Analysis** to identify specific coverage actions the report may have surfaced
    * Run **Review Industry Trends** periodically to keep clients informed between renewals
  </Step>
</Steps>

***

### Tips for best results

* **This preset works without any uploaded documents.** For prospects or new clients where you don't have policy files yet, a business name, industry, and state is all Cara needs.
* **The PDF is genuinely client-ready.** It uses a designed layout with styled tables, risk badges, and callout boxes. You can send it as-is.
* **For the Industry Trends use case, no company research is conducted by default.** This mode is intentionally faster, making it practical for sending timely industry updates to your full book without a lengthy research process.