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"Add half of your Proficiency Bonus (rounded down) to Ability checks that you are not Proficient in."
It’s all ability checks. Skills checks are a subset of these. Saving throws are not.
Initiative checks are, though, but I’m curious to see if Larian knows that.
Ability checks. I think you’re just having an issue with 5e language. It’s a birds/ducks issue in 5e - all skill checks are ability checks, not all ability checks are skills. Like initiative, or just checking a raw attribute in a contest. But not saving throws or attacks.
Jack of All Trades
Starting at 2nd level, you can add half your proficiency bonus, rounded down, to any ability check you make that doesn't already include your proficiency bonus.