{"id":"review-mt65gg4k","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"torvane-loss-run_standhope-mutual_CGL-7204518-03","pagesSwept":0,"pagesTotal":2,"pagesInFull":2}],"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. 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Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"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-torvane-gl-declarations_standhope-mutual_CGL-7204518-03-classifier","evidence":[],"statement":"torvane-gl-declarations_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Document is a two-page packet. Page 1 is the Commercial General Liability Declarations; page 2 is the Forms and Endorsements Schedule, which is printed as part of the same declarations packet. The schedule-of-forms content on page 2 is subordinate to the declarations character of the document as a whole. The footer on both pages reads 'SPECIMEN DOCUMENT PREPARED FOR COVERAGECHECK PRODUCT DEMONSTRATION. EVERY COMPANY, POLICY, AND CLAIM SHOWN IS FICTITIOUS.' This is noted as printed content and does not affect classification.","packetComplete":false},{"id":"observation-torvane-umbrella_quarrywood-specialty_XSU-3318842-03-classifier","evidence":[],"statement":"torvane-umbrella_quarrywood-specialty_XSU-3318842-03.pdf, from the classifier: Two-page document: page 1 is the Commercial Umbrella Liability Declarations; page 2 is the Schedule of Underlying Insurance listing underlying CGL policy CGL 7204518-03 issued by STANDHOPE MUTUAL INSURANCE COMPANY. Both pages bear the same policy number XSU 3318842-03. Document is marked as a specimen/fictitious demonstration document.","packetComplete":false},{"id":"observation-torvane-loss-run_standhope-mutual_CGL-7204518-03-classifier","evidence":[],"statement":"torvane-loss-run_standhope-mutual_CGL-7204518-03.pdf, from the classifier: Two-page loss run for a single policy (CGL 7204518-03), covering policy term 03/01/2026 – 03/01/2027. Page 1 is a summary; page 2 contains claim-level detail for four GL Premises/Operations claims. 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The follow-form language and absence of any broader-than-underlying coverage language is more consistent with an excess policy than a true umbrella; role is recorded as 'excess' but a reader may wish to review the full policy form. Attachment point: No explicit attachment point dollar figure is printed on this declarations page. The value of $1,000,000 is the each-occurrence limit of the sole scheduled underlying policy; it is the best available proxy but is not printed as an attachment point. Confidence is medium for that reason. Defense inside limits: No policy form language was provided; cannot determine. Drops down on exhaustion: No policy form language was provided; cannot determine. Forms schedule: No schedule of forms appears on the two pages provided; the list is empty. The underlying schedule lists a Products-Completed Operations Aggregate of $2,000,000 which is noted here but no separate productsCompletedOpsAggregate field exists on this umbrella/excess policy's own declarations. Form basis: Not explicitly printed; occurrence is the most common basis for commercial umbrella/excess policies but the document does not state it. 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