{"id":"review-mt65eg7h","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"austin-excess-liability_starr-indemnity_1000588272231","pagesSwept":16,"pagesTotal":46,"pagesInFull":30}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The operator chose to proceed without: Underlying policy XSM G47398137 001 scheduled by 1000588272231; Underlying policy TB5-661-067424-023 scheduled by 1000588272231; Underlying policy WA5-66D-067424-013 scheduled by 1000588272231; Underlying policy 140000976 scheduled by 1000588272231; Underlying policy 0313-7437 scheduled by 1000588272231. Decided 2026-08-23T18:36:07.851Z. The absence and this choice are part of the record."],"unsatisfied":["expectation:1000588272231:xsm-g47398137-001","expectation:1000588272231:tb5-661-067424-023","expectation:1000588272231:wa5-66d-067424-013","expectation:1000588272231:140000976","expectation:1000588272231:0313-7437"],"expectations":[{"id":"expectation:1000588272231:xsm-g47398137-001","what":"Underlying policy XSM G47398137 001 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:tb5-661-067424-023","what":"Underlying policy TB5-661-067424-023 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:wa5-66d-067424-013","what":"Underlying policy WA5-66D-067424-013 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:140000976","what":"Underlying policy 140000976 scheduled by 1000588272231","basis":"cited","source":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null},{"id":"expectation:1000588272231:0313-7437","what":"Underlying policy 0313-7437 scheduled by 1000588272231","basis":"cited","source":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"satisfiedByDocumentId":null}],"documentsRead":["austin-excess-liability_starr-indemnity_1000588272231"]},"answers":[],"program":{"layers":[{"role":"unknown","limit":1000000,"carrier":"LM Insurance Corp.","sources":{"limit":{"page":12,"quote":"$1,000,000 Each Accident","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Coverage: Employers Liability\nCarrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: WA5-66D-067424-013","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-2","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2026-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"WA5-66D-067424-013","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":1000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":null,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":2000000,"carrier":"LM Insurance Corp.","sources":{"limit":{"page":12,"quote":"$2,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Coverage: General Liability\nCarrier: LM Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: TB5-661-067424-023","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$4,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-1","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"TB5-661-067424-023","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":2000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":4000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":5000000,"carrier":"QBE Insurance Corp.","sources":{"limit":{"page":12,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Coverage: Excess Liability\nCarrier: QBE Insurance Corp.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: 140000976","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-3","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"140000976","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":5000000,"carrier":"Allied World Specialty Ins Co.","sources":{"limit":{"page":13,"quote":"$5,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":13,"quote":"Coverage: Excess Liability\nCarrier: Allied World Specialty Ins Co.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":13,"quote":"Policy No.: 0313-7437","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":13,"quote":"$5,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-4","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"0313-7437","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":5000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":5000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"unknown","limit":15000000,"carrier":"Indem Ins Co. of North America","sources":{"limit":{"page":12,"quote":"$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":12,"quote":"Carrier: Indem Ins Co. of North America","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":12,"quote":"$15,000,000 Other Aggregate Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"scheduled-0","effective":"2023-04-03","formBasis":"unknown","deductible":null,"expiration":"2029-04-03","formNumbers":[],"namedInsured":null,"policyNumber":"XSM G47398137 001","scheduledOnly":true,"attachmentPoint":0,"exhaustionPoint":15000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":15000000,"retentionApplies":"unknown","defenseInsideLimits":"unknown","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":null},{"role":"excess","limit":25000000,"carrier":"Starr Indemnity & Liability Company","sources":{"limit":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"carrier":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyNumber":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"attachmentPoint":{"page":12,"quote":"$15,000,000 Each Occurrence Limit","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"generalAggregate":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"productsCompletedOpsAggregate":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"}},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","effective":"2023-04-03","formBasis":"occurrence","deductible":null,"expiration":"2029-04-03","formNumbers":["PNSI 014 TX","CLAIMS RPT","SIPN 018","SIPN-002 03 21","XS 360 TX","XS 101 TX D","SIIL-0001 01 22","XS 102","XS 100","XS 301 TX","XS 331 TX","XS 104","XS 113","XS 134 TX","XS 143","XS 149","XS 342","XS 343","SIXS-0341 01 22","XS 374","XS 395","XS-416"],"namedInsured":"City of Austin","policyNumber":"1000588272231","scheduledOnly":false,"attachmentPoint":15000000,"exhaustionPoint":40000000,"retroactiveDate":null,"aggregateErosion":null,"generalAggregate":25000000,"retentionApplies":"unknown","defenseInsideLimits":"yes","perProjectAggregate":null,"selfInsuredRetention":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":25000000}],"totalLimit":53000000,"towerIssues":[{"kind":"attachment-disagreement","amount":12000000,"detail":"This policy states an attachment point of 27,000,000, and its own schedule of underlying insurance names underlying limits topping out at 15,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names XSM G47398137 001, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-0"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names TB5-661-067424-023, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-1"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names WA5-66D-067424-013, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-2"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 140000976, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-3"]},{"kind":"underlying-not-provided","amount":null,"detail":"The schedule of underlying insurance on 1000588272231 names 0313-7437, which was not provided.","layerPolicyIds":["austin-excess-liability_starr-indemnity_1000588272231","scheduled-4"]},{"kind":"attachment-gap","amount":14000000,"detail":"WA5-66D-067424-013 exhausts at 1,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 14,000,000 band.","layerPolicyIds":["scheduled-2","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"attachment-gap","amount":13000000,"detail":"TB5-661-067424-023 exhausts at 2,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 13,000,000 band.","layerPolicyIds":["scheduled-1","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"attachment-gap","amount":10000000,"detail":"140000976 exhausts at 5,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 10,000,000 band.","layerPolicyIds":["scheduled-3","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"attachment-gap","amount":10000000,"detail":"0313-7437 exhausts at 5,000,000 on its line, 1000588272231 does not pay until 15,000,000, and 1000588272231 states that it does not drop down when an underlying exhausts. The insured carries that 10,000,000 band.","layerPolicyIds":["scheduled-4","austin-excess-liability_starr-indemnity_1000588272231"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on TB5-661-067424-023), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-1"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on 140000976), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-3"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on 0313-7437), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-4"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on XSM G47398137 001), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","scheduled-0"]},{"kind":"term-non-concurrent","amount":null,"detail":"These layers run on different terms (2023-04-03 to 2026-04-03 on WA5-66D-067424-013, 2023-04-03 to 2029-04-03 on 1000588272231), so the tower is not the same on every day of the year.","layerPolicyIds":["scheduled-2","austin-excess-liability_starr-indemnity_1000588272231"]}],"restrictions":[{"label":"Defense Condition Amendment","where":"endorsement","source":"policy-language","citation":{"page":31,"quote":"Defense Condition Amendment","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 143 (10/08)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","source":"policy-language","citation":{"page":33,"quote":"This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof, or any substantially similar system or any part thereof","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 149 (10/08)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 342 (01/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses","where":"endorsement","source":"policy-language","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 343 (01/15)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","source":"policy-language","citation":{"page":37,"quote":"\"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"SIXS-0341 01 22","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","source":"policy-language","citation":{"page":40,"quote":"\"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 395 (11-14)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","source":"policy-language","citation":{"page":41,"quote":"\"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"; or b. The actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of \"cannabis\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS-416 (0120)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception And a Hostile Fire Exception","where":"endorsement","source":"policy-language","citation":{"page":27,"quote":"\"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 104 (04-11)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","source":"policy-language","citation":{"page":21,"quote":"A. Asbestos 1. \"Ultimate Net Loss\" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS – 360 TX (03/09)","alsoProvisions":[],"carrierNoticedReduction":false},{"label":"Auto Coverages Exclusion","where":"base-form","source":"policy-language","citation":{"page":23,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 100 (10/08)","alsoProvisions":["Nuclear Exclusion","Pollution Exclusion","Workers Compensation and Similar Laws Exclusion"],"carrierNoticedReduction":false},{"label":"Continuing or Progressively Deteriorating Damages","where":"endorsement","source":"policy-language","citation":{"page":30,"quote":"In the event of continuing or progressively deteriorating damage, such damage shall be deemed to occur only when such damage becomes known to the insured. If the damage first becomes known to the insured during the Policy Period, our Limits of Insurance in effect at the time of such knowledge shall be the only limits that apply.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"policyId":"austin-excess-liability_starr-indemnity_1000588272231","subLimit":null,"formNumber":"XS - 134 TX","alsoProvisions":[],"carrierNoticedReduction":false}],"aggregateImpairment":{"basis":"unverified","assertedAt":null,"assertedBy":null,"generalAggregateIncurred":null,"productsCompletedOpsIncurred":null},"anyDefenseInsideLimits":"yes","underlyingScheduleCount":5,"formsWithNoRestrictionFound":20},"findings":[],"reviewId":"review-mt65eg7h","decisions":[],"unanswered":[],"observations":[{"id":"observation-no-checks","evidence":[],"statement":"No check was configured for this review, so nothing was asked and nothing could be found. This is not a clean result; it is an unexamined one.","packetComplete":false},{"id":"observation-tower-attachment-disagreement-0","evidence":[],"statement":"This policy states an attachment point of 27,000,000, and its own schedule of underlying insurance names underlying limits topping out at 15,000,000. The tower is built on the schedule, because the schedule names the policies it sits above.","packetComplete":true},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-classifier","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf, from the classifier: The document is a complete policy packet for policy number 1000588272231, containing: (1) policyholder notices (pages 1-5), (2) the Excess Liability Declarations (pages 6-9, form XS-101-D TX), (3) a TRIA disclosure endorsement (pages 10-11), (4) Schedule of Underlying Insurance (pages 12-13, form XS-102), (5) the Excess Liability Policy Form (pages 14-23, form XS-100), and (6) multiple endorsements (pages 24-30). The dominant character is declarations plus attached forms for a single policy. The coverage is Commercial Excess Liability. The Item 8 endorsements list on pages 8-9 functions as the schedule of forms. Premium fields on page 8 (Item 6) are blank — no premium values are printed.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-citations","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: 120 of 121 figures were confirmed against the page they cite. The remaining 1 could not be, so it is the reader's word rather than the document's. Nothing else in this reading depends on it.","packetComplete":false},{"id":"observation-austin-excess-liability_starr-indemnity_1000588272231-truncated","evidence":[],"statement":"austin-excess-liability_starr-indemnity_1000588272231.pdf: pages 1 to 30 were read in full, and all 46 pages with text were searched for schedule entries, declarations values, and coverage-restricting provisions. Restrictions found there are identified and cited, not interpreted: what a provision does to a specific loss is not read.","packetComplete":true}],"readDecisions":[{"id":"decision-review-mt65eg7h-gate","kind":"proceed-without-document","field":null,"citation":{"page":12,"quote":"Policy No.: XSM G47398137 001","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"decidedAt":"2026-08-23T18:36:07.851Z","decidedBy":"[user.name]","rationale":"The reading is completed without the named policy. Every finding that depends on it is degraded and says so.","documentId":"austin-excess-liability_starr-indemnity_1000588272231","systemValue":"Underlying policy XSM G47398137 001 scheduled by 1000588272231; Underlying policy TB5-661-067424-023 scheduled by 1000588272231; Underlying policy WA5-66D-067424-013 scheduled by 1000588272231; Underlying policy 140000976 scheduled by 1000588272231; Underlying policy 0313-7437 scheduled by 1000588272231","decidedValue":"Proceed without it","policyNumber":null,"effectiveDate":null,"terminationDate":null}],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":62955,"outputTokens":478,"cacheReadTokens":1195,"cacheWriteTokens":0},{"model":"claude-sonnet-4-6","inputTokens":70091,"outputTokens":8670,"cacheReadTokens":1961,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":24068,"outputTokens":3940,"cacheReadTokens":0,"cacheWriteTokens":0},{"model":"claude-haiku-4-5","inputTokens":4166,"outputTokens":188,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"austin-excess-liability_starr-indemnity_1000588272231","sha256":"d65afe97490a408aab228f36fcacb61738212beee8f3f047880515a6a61bf3c3","filename":"austin-excess-liability_starr-indemnity_1000588272231.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"excess","type":"declarations","notes":"The document is a complete policy packet for policy number 1000588272231, containing: (1) policyholder notices (pages 1-5), (2) the Excess Liability Declarations (pages 6-9, form XS-101-D TX), (3) a TRIA disclosure endorsement (pages 10-11), (4) Schedule of Underlying Insurance (pages 12-13, form XS-102), (5) the Excess Liability Policy Form (pages 14-23, form XS-100), and (6) multiple endorsements (pages 24-30). The dominant character is declarations plus attached forms for a single policy. The coverage is Commercial Excess Liability. The Item 8 endorsements list on pages 8-9 functions as the schedule of forms. Premium fields on page 8 (Item 6) are blank — no premium values are printed.","carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"pageCount":46,"confidence":"high","namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}}},"deepSweep":{"found":0,"pages":46,"firstError":null,"failedPages":0,"timedOutPages":0},"extraction":{"id":"austin-excess-liability_starr-indemnity_1000588272231","role":"excess","term":{"effective":{"value":"2023-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"expiration":{"value":"2029-04-03","citation":{"page":7,"quote":"ITEM 2: POLICY PERIOD: FROM April 3, 2023 TO April 3, 2029","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"notes":"Role is excess per the declarations page title 'EXCESS LIABILITY DECLARATIONS' and ITEM 3 'Commercial Excess Liability'. Form basis: the declarations state at page 9 'IF THE FIRST UNDERLYING INSURANCE POLICY(IES) PROVIDE COVERAGE ON A CLAIMS-MADE BASIS, THIS POLICY ALSO APPLIES ON A CLAIMS-MADE BASIS' — this is a conditional statement; the underlying General Liability policy (LM Insurance Corp., TB5-661-067424-023) is not provided in this packet, so the form basis cannot be determined from the underlying. The policy form itself (XS 100 10/08) is occurrence-based in its structure with no retroactive date printed; the 'occurrence' value is recorded accordingly, but confidence is medium as the form basis is contingent on the first underlying. Attachment point: the schedule of underlying lists multiple layers (General Liability $2M each occurrence, QBE Excess $5M, Allied World Excess $5M, and Indem Ins Co. of North America $15M as First Underlying); the attachment point is not printed as a single dollar figure in this policy — the declared attachment is the total of underlying insurance, which is not computed here. The attachmentPoint field has been omitted because no single printed figure exists; the citation provided in that field is for the schedule itself. No deductible or self-insured retention is printed in this policy. Defense inside limits: the definition of 'Ultimate Net Loss' (page 17) states it includes defense costs when such costs are included within the limits of any applicable Underlying Insurance — this means defense costs erode this policy's limits to the extent they erode the underlying. Endorsement XS 143 'Defense Condition Amendment' is also listed but its text is not provided in this packet; its effect on the defense-inside-limits determination cannot be read. Confidence on defenseInsideLimits is therefore medium. The Aggregate Limits Amended For Term Of Policy endorsement (XS 113) amends Section II paragraph 7 so limits apply for the full policy period (April 3, 2023 to April 3, 2029) rather than annually.","limits":{"eachOccurrence":{"value":25000000,"citation":{"page":7,"quote":"A. $ 25,000,000 Each Occurrence","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"generalAggregate":{"value":25000000,"citation":{"page":7,"quote":"B. $ 25,000,000 Other Aggregate(s), Where Applicable","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"perProjectAggregate":null,"personalAdvertisingInjury":null,"productsCompletedOpsAggregate":{"value":25000000,"citation":{"page":7,"quote":"C. $ 25,000,000 Products-Completed Operations Aggregate","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"}},"carrier":{"value":"Starr Indemnity & Liability Company","citation":{"page":7,"quote":"Starr Indemnity & Liability Company\nDallas, Texas\nAdministrative Office: 399 Park Avenue, 8th Floor, New York, NY 10022","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"formBasis":"occurrence","retention":{"applies":"unknown","deductible":null,"selfInsuredRetention":null},"confidence":"high","documentIds":["austin-excess-liability_starr-indemnity_1000588272231"],"namedInsured":{"value":"City of Austin","citation":{"page":7,"quote":"ITEM 1. NAMED INSURED: City of Austin","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"policyNumber":{"value":"1000588272231","citation":{"page":7,"quote":"POLICY NUMBER: 1000588272231","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"confidence":"high"},"restrictions":[{"label":"Defense Condition Amendment","where":"endorsement","citation":{"page":31,"quote":"Defense Condition Amendment","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 143 (10/08)","carrierNoticedReduction":false},{"label":"EIFS Exclusion","where":"endorsement","citation":{"page":33,"quote":"This insurance shall not apply to \"Ultimate Net Loss\" arising out of: 1. The design, manufacture, construction, fabrication, preparation, installation, application, maintenance or repair, including remodeling, service, correction, or replacement of an \"exterior insulation and finish system\" (commonly referred to as synthetic stucco) or any part thereof, or any substantially similar system or any part thereof","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 149 (10/08)","carrierNoticedReduction":false},{"label":"Cap on Losses From Certified Acts of Terrorism","where":"endorsement","citation":{"page":34,"quote":"If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 342 (01/15)","carrierNoticedReduction":false},{"label":"Certified Acts of Terrorism Coverage Excess of Retained Amount With Cap on Losses","where":"endorsement","citation":{"page":35,"quote":"Coverage provided by this Policy for \"Ultimate Net Loss\" arising out of a \"certified act of terrorism\" applies in excess of the Certified Acts of Terrorism Retained Amount","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 343 (01/15)","carrierNoticedReduction":false},{"label":"Auto Coverage – Exclusion of Terrorism","where":"endorsement","citation":{"page":37,"quote":"\"Ultimate Net Loss\" caused directly or indirectly by \"Terrorism,\" including action in hindering or defending against an actual or expected incident of \"Terrorism.\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"SIXS-0341 01 22","carrierNoticedReduction":false},{"label":"Communicable Disease Exclusion","where":"endorsement","citation":{"page":40,"quote":"\"Ultimate Net Loss\" arising out of the actual or alleged transmission of a communicable disease.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 395 (11-14)","carrierNoticedReduction":false},{"label":"Cannabis Exclusion","where":"endorsement","citation":{"page":41,"quote":"\"Ultimate Net Loss\" arising out of: a. The design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of \"cannabis\"; or b. The actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of \"cannabis\"","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS-416 (0120)","carrierNoticedReduction":false},{"label":"Total Pollution Exclusion With a Building Heating Equipment Exception And a Hostile Fire Exception","where":"endorsement","citation":{"page":27,"quote":"\"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 104 (04-11)","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"endorsement","citation":{"page":6,"quote":"NO COVERAGE IS PROVIDED FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS OR ANY OBLIGATION TO INDEMNIFY OTHERS FOR \"ULTIMATE NET LOSS\" ARISING OUT OF ASBESTOS.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS – 360 TX (03/09)","carrierNoticedReduction":false},{"label":"Asbestos Exclusion","where":"base-form","citation":{"page":21,"quote":"A. Asbestos 1. \"Ultimate Net Loss\" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS – 360 TX (03/09)","carrierNoticedReduction":false},{"label":"Auto Coverages Exclusion","where":"base-form","citation":{"page":21,"quote":"B. Auto Coverages \"Ultimate Net Loss\" arising out of or resulting from any first party physical damage coverage; no-fault law; personal injury protection or auto medical payments coverage; or uninsured or underinsured motorist law.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100 (10/08)","carrierNoticedReduction":false},{"label":"Nuclear Exclusion","where":"base-form","citation":{"page":22,"quote":"C. Nuclear \"Ultimate Net Loss\": 1. a. With respect to which the Insured is also an Insured under a nuclear energy liability policy","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100 (10/08)","carrierNoticedReduction":false},{"label":"Pollution Exclusion","where":"base-form","citation":{"page":23,"quote":"D. Pollution 1. \"Ultimate Net Loss\" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.","documentId":"austin-excess-liability_starr-indemnity_1000588272231"},"subLimit":null,"formNumber":"XS - 100 (10/08)","carrierNoticedReduction":false},{"label":"Workers Compensation and Similar Laws Exclusion","where":"base-form","citation":{"page":23,"quote":"E. 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